Earn 1 MR point per ₹50 spent with best redemption value of ₹0.58/point via Taj vouchers 24K Gold Collection giving up to 1.16% effective return on all eligible spends
Stack up to 2,000 bonus points every month,1,000 for making 4 transactions of ₹1,500+ and 1,000 for crossing ₹20,000 monthly spend enrollment required
Annual renewal fee of ₹4,500 is fully waivable at ₹1.5 lakh spend or 50% waivable at ₹90,000 spend plus you earn 5,000 bonus MR points on renewal
Fees
Joining FeeNo welcome benefit is provided to offset the joining fee.
₹1,180
₹1,000 + GST
Annual FeeThe annual fee is waived if you spend ₹150000 or more in a year on your card, as per bank policy.
₹5,310
₹4,500 + GST
Eligibility
Age
21-60 years
Salary
₹50K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% 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)3.50% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases
3.50%
ATM Withdrawal3.50% of the withdrawn amount is charged on cash advances using the credit card
3.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request
₹99
Railway SurchargeA railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals
1.80%
Rent Payment2% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
2%
Cheque PaymentA fee of ₹250 is charged for payments made by cheque
₹250
Cash PaymentA fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM
₹100
Late Payment Charges
Amount due
Fee
₹0–100
₹0
₹101–500
₹500
₹501–1,000
₹750
₹1,001–5,000
₹1,000
Above ₹5,000
₹1,200
Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above
Reward Exclusions
Rent paymentFuelInsuranceEMI TransactionsCash WithdrawalsJewellerySchool & Educational ServicesGovernment related transactionsWallet transactions - Load moneyFeesGST chargesAll ReversalsGamblingTollsSecurity Broker ServicesCharityRailwaysUtility Bill Payments
Terms & Conditions
...rewards
Welcome benefit is applicable only on spends within 30 days of card issuance
