Best Credit Card

All Benefits

  • 25% cashback on Airtel recharge, DTH, broadband via Airtel Thanks app (capped at 2x of 1% category cashback)
  • 10% cashback on utility payments via Airtel Thanks app (capped at 1x of 1% category cashback)
  • 10% value back at Zomato, Blinkit, District Movies (₹200/month per partner, Minimum Order Value of ₹499 where applicable)
  • 1% cashback on all other spends (unlimited)

Fees

Joining Fee ₹250 worth Amazon E-Voucher first transaction made within first 30 days of card issuance
₹590
₹500 + GST
Annual Fee The annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.
₹590
₹500 + GST

Eligibility

Age
21-70 years
Salary
₹16.7K / Month
Credit Score
750+

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
3.50%
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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.
As prescribed by IRCTC / Indian Railways
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment A fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment ₹100 cash payment fee per deposit
₹100

Late Payment Charges

Amount dueFee
₹0 – ₹500₹0
₹501 – ₹1,000₹500
₹1,001 – ₹10,000₹750
Above ₹10,000₹1200

An additional ₹100 will be charged on missing the payment of the Minimum Amount Due by the due date for two consecutive cycles, and this charge will continue to apply for every payment cycle until the Minimum Amount Due is cleared

Reward Exclusions

Utility Bill (Non Airtel App)Cash AdvancesFuel SpendsRent PaymentsWallet LoadsJewellery PurchasesInsurance PaymentsEducation SpendsGovernment Transactions

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
  • A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

Full charges and terms: Bank MITC / Terms