Best Credit Card

All Benefits

  • 10% cashback / instant discount on partner merchants (Movies via District by Zomato, Zomato food delivery, Amazon Grocery / Amazon Now
  • All major Cab services and Bill payments via AU 0101 each capped at ₹50 per month)
  • Accelerated 5 RP per ₹100 on AU Rewardz spends (Flights, Hotels, Voucher Shopping, Bill Payments), 1 RP per ₹100 on other spends
  • Visa benefits with MakeMyTrip / Times Prime / Alaya Stays
  • Bonus 500 RP on completing 5 transactions of ₹500+ in a statement cycle, contactless payments up to ₹5,000 without PIN and a lifetime-free Add-on Card.

Fees

Joining Fee 2,000 Bonus Reward Points OR ₹500 Brand Voucher on card activation
₹590
₹500 + GST
Annual Fee From 2nd year onwards on ₹1.50 Lakh retail spends done in the previous card anniversary year
₹590
₹500 + GST

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 (3.5%): ₹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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)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 No fee is levied on domestic rental transactions made using the credit card. International rental transactions attract 1% of the transaction value, subject to a minimum of ₹99 per transaction
1%
Cheque Payment A fee of 2% of the payment amount or ₹500
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

CashRentEducationGovernment SpendsEMIFuelTransportationQuasi 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