Up to 3% cashback on monthly spends via milestones 1% on ₹7,500, 2% on ₹12,500, 3% on ₹20,000; capped at ₹600 per statement cycle
2 complimentary domestic airport lounge visits per quarter on ₹50,000 spends in the previous quarter
8 complimentary railway lounge visits per year max 2 per quarter
Complimentary device protection plan and 1-year extended warranty
Fees
Joining FeeNot Applicable
₹884
₹749 + GST
Annual FeeThe annual fee is waived if you spend ₹2 Lakh or more in a year on your card, as per bank policy
₹884
₹749 + GST
Eligibility
Age
25-65 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.49% 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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward RedemptionNo fee is charged, cashback is auto-adjusted in the monthly statement
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% minimum ₹99 per transaction applies on international rental transactions
1%
Cheque PaymentA fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentNo Cash Payment is charged
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
