2% forex markup on international spends, quarterly vouchers of ₹500 each at Myntra, Nykaa & Flipkart and ₹1,500 at Lakmé Salon
₹250 quarterly at Big Basket, Flat ₹250 on movie/non-movie tickets at BookMyShow
complimentary annual memberships Amazon Prime / JioHotstar, Gaana Plus and a 3-month Swiggy One
a complimentary women's health & insurance packages
Fees
Joining FeeFITPASS PRO complimentary 12-month membership, one-time on card issuance, Joining fee of ₹2,499 is waived on spends of ₹25,000 within the first 60 days of card issuance
₹2,949
₹2,499 + GST
Annual FeeThe annual fee is waived if you spend ₹2.5 lakh or more in a year on your card, as per bank policy
₹2,949
₹2,499 + GST
Eligibility
Age
25-55 years
Salary
₹60K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup2% 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 (2%) ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable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 SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of 2% 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 card
₹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
A late payment fee of 15% of the Total Amount Due is charged when the amount due is not paid by the payment due date, subject to a minimum of ₹10 and a maximum of ₹1,300 per the card Schedule of Charges
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
