All Benefits
- 5% cashback on eligible domestic online spends, capped at ₹1,500/month
- 1% unlimited cashback on all other eligible spends
Fees
Joining Fee
Not Applicable
₹589
₹499 + GST
Annual Fee
Not Applicable
₹589
₹499 + GST
Eligibility
Age
25-55 years
Salary
₹25K / Month
Credit Score
720+
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
2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500
2.5%
Reward Redemption
No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge
A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment
1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment
A fee of ₹100 is charged for payments made by cheque
₹100
Cash Payment
A fee of ₹250 is charged for payments made by depositing cash at a bank branch or ATM
₹250
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
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