Lifetime-free Visa credit card with a 3-2-1 rewards structure 3X on travel & international, 2X on dining, 1X on other spends
₹600 Amazon Pay welcome voucher on ₹10,000 spend in 30 days
2 international + up to 2 domestic airport lounge visits unlocked by spending ₹60,000 or more in the previous quarter
Buy One Get One on INOX movie tickets monthly
Fees
Joining FeeAmazon Pay e-Voucher worth ₹600 on a minimum spend of ₹10,000 within the first 30 days
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹25K / 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 1.99% to 3.75% per month 23.88% to 45% per annum based on your average monthly balance / banking relationship, apply on unpaid outstanding balances until the amount is fully repaid
1.99%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward Redemption₹99 redemption fee per redemption request
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% of the transaction amount applies on rental transactions
1%
Cheque PaymentA fee of 2% of the payment amount minimum ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentA fee of ₹100 is levied when the credit card outstanding is paid in cash over the counter, not available to NRI customers
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹250
₹0
₹251 - ₹1000
₹250
₹1001 - ₹5000
₹500
₹5001 -₹25000
₹1000
Above ₹25001
₹1250
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
