Best Credit Card

All Benefits

  • India’s first fully customisable, Lifetime Free credit card
  • Choose and pay only for the features you want (from ₹49 per 90 days)
  • up to 10X reward points, 5% category cashback on grocery & apparel, milestone cashback
  • airport lounge access, OTT subscriptions ZEE5, Amazon Prime and gift vouchers
  • Features can be switched on/off anytime via the AU 0101 App

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

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

Bank Fee Structure

Forex Markup 3.49% 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 (3.49%): ₹100 → ₹3.49 ₹1,000 → ₹34.90 ₹10,000 → ₹349 ₹1,00,000 → ₹3,490
3.49%
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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable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 1% of the transaction value, subject to a minimum of ₹99 per transaction
1%
Cheque Payment A fee of 2% of the payment amount, subject to a minimum of ₹500, is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment No fee is charged for credit card bill payment through Cash Deposit mode
Not Applicable

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹1,000₹400
₹1,001 - ₹10,000₹750
₹10,001 - ₹25,000₹950
₹25,001 - ₹50,000₹1100
Above ₹50,000₹1300

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

Reward Exclusions

CashRentEducation & GovtEMIFuelBBPSTransportationQuasi-Cash Transactions

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