Welcome Benefits
- Get a complimentary Decathlon OMNI Gift Card worth ₹750 upon card issuance, valid for 60 days and redeemable at decathlon.in, the Decathlon app, or Decathlon retail stores
Fees
Joining Fee
Amazon or Decathlon voucher worth ₹750 on card activation
₹884
₹749 + GST
Annual Fee
The annual fee is not waived under any spending conditions.
₹884
₹749 + GST
Eligibility
Age
18-70 years
Salary
₹16.7K / Month
Credit Score
720+
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)
An interest charge of 3.75 percent per month is applied if the outstanding balance is not paid by the due date. An interest free period of 20 to 55 days is provided depending on the billing cycle
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2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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
No fee is charged when redeeming reward points on this card.
Not Applicable
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
A fee of ₹100 is charged for cash payments made at Axis Bank branches
₹100
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
An additional Late Payment Charge of ₹100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared
Reward Exclusions
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 ₹100 within 30 days is required to activate the card and become eligible for rewards
Full charges and terms: Bank MITC / Terms