Earn 5X Membership Rewards Points on purchases via the Reward Multiplier platform
Up to ₹10,000 instant cashback on eligible purchases at Apple Store Online
Enjoy 20% off on room stays at Best Available Rate across all participating properties of The Lalit Hotels
Redeem 24,000 Membership Rewards Points for a Taj voucher worth ₹14,000 via the Gold Collection (or equivalent from Shoppers Stop, Tanishq, Tata Cliq, Amazon, Flipkart, Reliance Digital)
Fees
Joining FeeJoining fee is offset through bonus Membership Rewards points on meeting initial spend milestones.
₹1,180
₹1,000 + GST
Annual FeeThe annual fee is not waived under any spending conditions.
₹5,310
₹4,500 + GST
Eligibility
Age
21-60 years
Salary
₹50K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)
N/A
ATM WithdrawalFor every withdraw money transaction you will be charged 3.5% of the amount withdrawn or Rs 500 whichever is higher.
3.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Cheque PaymentNo cheque payment fee is charged
N/A
Cash PaymentN/A
N/A
Late Payment Charges
Amount due
Fee
₹1 - ₹10000
₹400
₹10001 - ₹25000
₹750
₹25000 and above
₹1000
he total amount due must be paid in full by the due date
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
