Best Credit Card

All Benefits

  • Healthcare value-back of up to 25% on medicines at Apollo 24|7 and Apollo Pharmacy (Apollo Circle)
  • 1-year FITPASS PRO Membership
  • Complimentary Comprehensive Health Check-up on spending ₹50,000 within 90 days of joining (and every anniversary year)
  • Reward Points of 10/2/0.5 per ₹100
  • Milestone Benefits (annual fee reversal on ₹3L spend, Noise Smartwatch worth ₹7,999 on ₹ 6L spend)
  • 4 Domestic Lounge visits + 2-year Priority Pass

Fees

Joining Fee Apollo 24|7 e-Gift Voucher worth Rs. 1,500 on payment of the joining fee 1-year complimentary FITPASS PRO Membership (on payment of joining fee, one retail transaction)
₹1,769
₹1,499 + GST
Annual Fee The annual fee is waived if you spend ₹3 lakh or more in a year on your card, as per bank policy
₹1,769
₹1,499 + GST

Eligibility

Age
21-60 years
Salary
₹25K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.5% 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
3.5%
Finance Charges (APR) Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.5%
Reward Redemption ₹99 redemption fee per redemption
₹99
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199
Cheque Payment A fee of ₹200 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹200
Cash Payment ₹250 cash payment fee per deposit
₹250

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹1000₹500
₹1001 - ₹10000₹ 750
₹10000 - ₹25000₹ 950
₹25001- ₹ 50000₹ 1100
₹50000 and above₹1300

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Reward Exclusions

Balance TransferCash AdvancesFinance ChargesFuelE-walletRentGovernment transactionDigital Gaming Platforms

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
  • A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

Full charges and terms: Bank MITC / Terms