30,000 EDGE Reward Points on activation — just complete 3 transactions of any value in 30 days
10% cashback on Samsung purchases including EMI, capped at ₹5,000/month and ₹20,000/year
15X EDGE Reward Points on Bigbasket, Tata 1mg, UrbanCompany, Myntra, and Zomato
Fees
Joining Fee30,000 EDGE Reward points on completing 3 transactions within 30 days of card issuance.
₹5,900
₹5,000 + GST
Annual FeeThe annual fee is waived if you spend ₹700000 or more in a year on your card, as per bank policy.
₹5,900
₹5,000 + GST
Eligibility
Age
21-70 years
Salary
₹50K / 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)3.5% 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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.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 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 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal.
2%
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
Fuel SpendsWallet LoadsJewellery PurchasesGovernment Services PaymentsEducation SpendsTelecom & Utility PaymentsRent PaymentInsurance ServicesFinancial InstitutionsCash AdvancesEMI transactions on non-Samsung purchasesPurchases converted to EMI post facto on non-Samsung spends
Terms & Conditions
...rewards
Welcome benefit is applicable only on spends within 30 days of card issuance
