Best Credit Card

All Benefits

  • Up to 7% cashback on online spends (2% up to ₹5,000 / 5% up to ₹40,000 / 7% above ₹40,000), capped at ₹4,000 per statement month.
  • 0.75% unlimited cashback on all offline and travel spends.
  • 0.5% cashback on utility bill payments, capped at ₹100 per statement month.
  • 15% instant discount on EazyDiner, capped at ₹500 per month on minimum order of ₹2,500.
  • 5,000 EDGE Reward Points worth ₹1,000 on first transaction within 30 days.

Fees

Joining Fee EDGE Reward Points worth ₹1,000 on your first transaction.
₹1,180
₹1,000 + GST
Annual Fee The annual fee is waived if you spend ₹4,00,000 or more in a year on your card, as per bank policy.
₹1,180
₹1,000 + GST

Eligibility

Age
21-70 years
Salary
₹50K / 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ATM Withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.50%
Reward Redemption This is a cashback card, and the earned cashback is adjusted directly in your monthly statement
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 payment amount is levied for cheque return, cheque dishonour, ECS bounce, ACH bounce, or auto-debit reversal, subject to a minimum of ₹500
1%
Cheque Payment No cheque payment fee is charged
Not Applicable
Cash Payment ₹175 cash payment fee per deposit
₹175

Late Payment Charges

Amount dueFee
₹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. An additional charge of ₹100 applies if MAD is missed for two consecutive billing cycles, and continues until MAD is cleared

Reward Exclusions

Fuel SpendsWallet LoadsEMI SpendsRent PaymentInsurance PaymentsVoucher PurchasesATM Cash WithdrawalsAll ReversalsInterest ChargesService ChargesToll PaymentsGambling TransactionsUtility Bill PaymentsGovernment-Related TransactionsEducational SpendsForex 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