Earn up to 40 Reward Points per ₹100 on train tickets booked on the IRCTC website and mobile app 40 Reward Points per ₹100 for travel dates 15 Jan – 31 Mar and 15 Jul – 15 Sep
16 Reward Points per ₹100 for travel dates 1 Apr – 14 Jul and 16 Sep – 14 Jan, on 1AC/2AC/3AC/CC/EC bookings
up to 1% cashback on IRCTC transaction charges
4 complimentary railway lounge visits per calendar year 1 per quarter
Fees
Joining FeeAvail 500 joining bonus Reward Points on spends of ₹5,000 or more within 60 days of card issuance
₹590
₹500 + GST
Annual FeeNot Applicable
₹413
₹350 + 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 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeNo railway booking surcharge is charged on this card. Per the MITC, the 1% processing fee
Not Applicable
Rent PaymentA surcharge fee of 1.00% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of 2.00% of the payment amount minimum ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentA fee of ₹250 is levied for every cash payment made towards the credit card outstanding
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1,000
₹400
₹1,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1100
Above ₹50,000
₹1300
An additional ₹100 applies if the Minimum Amount Due is not paid for two consecutive billing cycles
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
