Best Credit Card

All Benefits

  • UPI-first RuPay credit card available exclusively on the Google Pay app
  • earn Stars on all eligible spends including fuel with no minimum transaction
  • Unlock 2X (2 Stars per ₹500, on spending ₹100 or more in the previous cycle), 4X (4 Stars per ₹500, on spends above ₹15,000 in the reward period) and 8X (8 Stars per ₹500, on spends above ₹30,000 in the reward period)
  • Redeem Stars instantly as cashback while paying on Google Pay
  • Flexible repayment pay in full or convert transactions of ₹2,500 or more into easy EMI

Fees

Joining Fee Get a ₹250 gift card and 250 Stars together worth ₹500 on the Google Pay app as your welcome reward
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

Age
18-70 years
Salary
₹25K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.50% 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
3.5%
Finance Charges (APR) Finance charges of 3.75% per month 55.54% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal Cash Withdrawal is not Applicable
Not Applicable
Reward Redemption No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment A fee of ₹175 is charged for payments made by depositing cash at a bank branch or ATM
₹175

Late Payment Charges

Amount dueFee
₹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

Reward Exclusions

WalletGovernment spendsInsuranceGold & JewelleryCash advances

Terms & Conditions

  • 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

Full charges and terms: Bank MITC / Terms