2 complimentary railway lounge accesses per calendar quarte
Earn 1,000 Bonus Reward Points on completing any retail transaction on your birthday
Complimentary Annual Times Prime Membership giving access to 20+ subscriptions and 40+ discount-led offers
Complimentary Annual Times Prime Membership giving access to 20+ subscriptions and 40+ discount-led offers
₹5 Lakh Credit Shield against card outstanding in case of permanent total disability
Fees
Joining FeeComplimentary Annual Times Prime Membership giving access to 20+ subscriptions and 40+ discount-led offers
₹3,539
₹2,999 + GST
Annual FeeAnnual fee waived on spending ₹1.5 lakhs in the preceding card anniversary year
₹3,539
₹2,999 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup2.99% 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 (2.99%): ₹100 → ₹2.99 ₹1,000 → ₹29.90 ₹10,000 → ₹299 ₹1,00,000 → ₹2,990
2.99%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.5%
Reward Redemption₹99 + GST redemption fee per redemption is levied on each successful reward point redemption on this card
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge of 1% of the rental transaction value, subject to a minimum of ₹99 per transaction, applies on international rental transactions made using the credit card. Domestic rental transactions attract no fair-usage charge
1%
Cheque PaymentA fee of 2% of Total Amount Due or minimum ₹500 (whichever is higher) is levied on return/failure of credit card outstanding payments
2%
Cash PaymentNo fee is charged for credit card bill payment through Cash Deposit mode
Not Applicable
Late Payment Charges
Amount due
Fee
₹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
Late payment charges of 15% of Total Amount Due are levied, subject to a minimum of ₹10 and a maximum of ₹1,300, when the minimum amount due is not paid by the payment due date
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
