Enjoy Priority Pass membership for 6 complimentary visits to 1,200+ international airport lounges per anniversary year, plus 6 additional visits on ₹3 lakh spend in the same year
Get 2 complimentary domestic airport lounge visits per quarter, subject to minimum eligible spend of ₹50,000 in the previous 3 calendar months
Get 100% discount on the second movie ticket booked via the District app, up to ₹250 off per transaction, twice a month
Save with flat ₹500 off on BigBasket (min ₹2,500, once a month), flat ₹200 off on Swiggy (min ₹1,000, twice a month), and Wednesday Delight offers on MakeMyTrip, Swiggy and Tira
Unlock 6 + 6 complimentary Golf rounds per anniversary year (6 additional on ₹3 lakh spend), plus earn 5,000 EDGE REWARD Points on ₹3 lakh spend and a complete annual fee waiver on ₹8 lakh spend
Fees
Joining Fee10000 Reward Points on first card transaction done within 30 days of card activation
₹3,540
₹3,000 + GST
Annual FeeThe annual fee is not waived under any spending conditions.
₹3,540
₹3,000 + GST
Eligibility
Age
21-60 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)3.75% 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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 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 ₹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
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
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
