5,000 EDGE REWARD Points on cumulative spends of ₹1,000 or more within 30 days of card issuance
10X EDGE REWARD Points on apparel and departmental store spends, capped at 1,008 bonus points (₹7,000 spend) per statement month
1,500 bonus EDGE REWARD Points on monthly spends of ₹30,000 or more
2 complimentary domestic airport lounge visits per quarter, subject to ₹50,000 spends in the previous 3 calendar months
Fees
Joining FeeEarn 5,000 EDGE REWARD Points on cumulative net spends of ₹1,000 or more within 30 days of card issuance.
₹1,180
₹1,000 + GST
Annual FeeThe annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.
₹1,180
₹1,000 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% 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)3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 55.55%
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge1% of the transaction amount + GST will be charged on Railway Ticket Purchases
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹750
₹10001- and above
₹1200
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date
Reward Exclusions
Fuel SpendsEMI SpendsWallet LoadsJewellery PurchasesCash AdvancesPayment of outstanding balancesBank Charges & FeesRent PaymentGovernment-related TransactionsInsurance PaymentsEducation SpendsUtility Bill Payments
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.
