5X reward points on 2 chosen categories from Apparel, Dining, Grocery, Utility and Taxi
2 RP on every ₹100 spent on other categories
Choice of 2 OTT memberships
1 complimentary domestic lounge per quarter
Up to 50 days interest-free credit
Fees
Joining FeeChoice of 2 complimentary memberships from Amazon Prime, Jio Hotstar, Sony LIV, Zee5 or Discovery+. Memberships are activated on Joining Fee payment or on achievement of Rs. 60,000 spends in first 3 months
₹1,180
₹1,000 + GST
Annual FeeAnnual fee waived on spending ₹2.40 lakhs in the preceding card anniversary year
₹1,180
₹1,000 + 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 ₹100 → ₹3.5 ₹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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹250, if applicable
2.5%
Reward Redemption₹99 redemption fee per redemption
₹99
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 is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentNo fee is charged for credit card bill payment through Cash Deposit mode
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1,000
₹500
₹1,001 - ₹5,000
₹600
₹5,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹900
₹25,001 - ₹50,000
₹1,000
Above ₹50,000
₹1,200
An additional ₹100 applies if the Minimum Amount Due is missed for two consecutive cycles, and continues every cycle until the MAD is cleared
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 Rs. 100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
