Earn 10X CashPoints on favourite merchants including Big Basket, BookMyShow, OYO, Swiggy, and Uber, capped at 2500 per month
Link your card to PayZapp to earn additional CashPoints on utility bills, mobile recharges, and in-app shopping
Earn up to ₹1,000 worth of CashPoints on PayZapp shopping across 200+ brands
Fees
Joining Fee500 Reward Points are credited after the joining fee is paid, helping offset the ₹500 joining fee through rewards
₹590
₹500 + GST
Annual FeeThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
₹590
₹500 + GST
Eligibility
Age
21-60 years
Salary
₹16.7K / Month
Credit Score
650+
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. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge1% of the transaction amount + GST will be charged on railway ticket purchase
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentNo cheque payment fee is charged
Not Applicable
Cash Payment₹100 cash payment fee per deposit.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹500
₹1001 - ₹5000
₹600
₹5001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹900
₹25,001 - ₹50,000
₹1100
₹50,000 and above
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
Fuel TransactionsRent PaymentsWallet LoadsCash WithdrawalsEMI TransactionsGovernment and Statutory PaymentsEducation PaymentsInsurance Premium PaymentsUtility Bill PaymentsRailway Ticket BookingsGift Card or Voucher PurchasesGambling or Lottery TransactionsCryptocurrency or Digital Asset Transactions
Terms & Conditions
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards.
