Best Credit Card

All Benefits

  • Earn 2 Maharaja Points for every ₹200 spent, redeemable for flight upgrades and award flights via Air India Maharaja Club
  • 2 Complimentary Domestic Airport Lounge Accesses at select airports within India
  • Wednesday Delight offers every Wednesday on Partner Platforms

Fees

Joining Fee 1 complimentary economy class ticket on card issuance
₹1,770
₹1,500 + GST
Annual Fee Not Applicable
₹1,770
₹1,500 + GST

Eligibility

Age
18-70 years
Salary
₹50K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.50% 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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.
2.50%
Reward Redemption No fee is charged when redeeming reward points on this card.
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 A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal.
2%
Cash Payment A fee of ₹175 is charged for payments made by depositing cash at a bank branch or ATM.
₹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 above.

Reward Exclusions

Rent PaymentFuel SpendsInsurance PaymentsEMI SpendsATM Cash WithdrawalsGovernment-related TransactionsWallet LoadsBank Charges & FeesAll ReversalsGambling TransactionsToll PaymentsSecurity Broker ServicesCharityUtility Bill Payments

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
  • A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

Full charges and terms: Bank MITC / Terms