12,500 EDGE Reward Points worth ₹2,500 on activation upon first transaction within 30 days
2 complimentary domestic lounge accesses per quarter at select airports
Buy 1 Get 1 free on movie tickets via District app, capped at ₹250 per month
Earn 10 EDGE Reward Points for every ₹200 spent on domestic and international transactions
Earn 10,000 bonus EDGE Reward Points worth ₹2,000 on spending ₹2.5 lakh in a card anniversary year
Redeemable across 500+ rewards and offers via EDGE Rewards catalogue
Fees
Joining Fee12,500 EDGE Reward points worth ₹2,500 on payment of joining fee and first transaction within 30 days of card issuance.
₹1,770
₹1,500 + GST
Annual FeeThe annual fee is waived if you spend ₹500000 or more in a year on your card, as per bank policy.
₹1,770
₹1,500 + GST
Eligibility
Age
18-70 years
Salary
₹50K / Month
Credit Score
750+
Bank Fee Structure
Forex Markup3.50% 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)3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request
₹99
Railway SurchargeSurcharge 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 Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentNo cheque payment fee is charged on this card
Not Applicable
Cash PaymentA fee of ₹175 is charged for payments made by depositing cash at a bank branch or ATM
₹175
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹5,000
₹500
₹5,001 - ₹10,000
₹750
Above ₹10,000
₹1,200
Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above.
Reward Exclusions
Utility Bill PaymentsTelecomRent PaymentWallet LoadsGovernment-related TransactionsInsurance PaymentsJewellery PurchasesFuel SpendsEducation Spends
Terms & Conditions
...rewards
Welcome benefit is applicable only on spends within 30 days of card issuance
