Earn 3% cashback on online food delivery, online entertainment and online local commute, and 1% cashback on all other eligible spends, with total cashback capped at ₹1,500 per statement cycle
4 complimentary domestic airport lounge visits per calendar year
Wednesday Delight up to 15% off on MakeMyTrip flights & hotels, 10% off on Swiggy, and 10% off up to ₹1,000 on Tira every Wednesday
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
18-70 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% 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
3.50%
Finance Charges (APR)Finance charges of 3.75% per month 55.55% 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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable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, cashback is auto-adjusted in the monthly statement
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 is levied for cheque return, cheque dishonour, or auto-debit reversal minimum ₹500
2%
Cash PaymentA fee of ₹175 is charged for payments made by depositing cash at a bank branch
₹175
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹750
Above ₹10000
₹1200
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until 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 ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
