Best Credit Card

All Benefits

  • Earn 4 Marriott Bonvoy Points per ₹150 on Travel, Dining and Entertainment; capped at ₹5 lakh monthly spend max 13,335 Points/month
  • Get up to 3 additional Free Night Awards (up to 15,000 Points each) on Anniversary Year spends of ₹6 lakh, ₹9 lakh and ₹15 lakh
  • Enjoy 12 complimentary domestic and 12 international airport lounge visits per year across India and abroad
  • Get complimentary Marriott Bonvoy Silver Elite Status, plus Green Fee waiver and complimentary golf lessons twice per quarter
  • Earn 8 Marriott Bonvoy Points per ₹150 spent at Marriott Bonvoy hotels and Marriott-branded stores; capped at ₹10 lakh monthly spend max 53,335 Points/month

Fees

Joining Fee The ₹3,000 + GST joining fee is effectively offset by welcome benefits such as a Free Night Award (up to 15,000 points) and Silver Elite status with 10 Elite Night Credits, delivering upfront value that can match or exceed the joining fee for Marriott users.
₹3,540
₹3,000 + GST
Annual Fee The annual fee is not waived under any spending conditions.
₹3,540
₹3,000 + GST

Eligibility

Age
21-60 years
Salary
₹1L / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 3.5% 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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption No fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment A fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment ₹100 cash payment fee per deposit.
₹100

Late Payment Charges

Amount dueFee
₹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.

No Rewards On

All ReversalsCancelled TransactionsCash AdvancesATM Cash WithdrawalsQuasi-Cash TransactionsMoney TransfersP2P TransfersWallet LoadsOutstanding PaymentsEMI SpendsGift Cards and VouchersVoucher PurchasesGambling TransactionsCryptocurrency/Digital Asset TransactionsGovernment-related Transactions

Excluded Spends

All ReversalsCancelled TransactionsATM WithdrawalsQuasi-Cash TransactionsMoney TransfersP2P TransfersWallet LoadsEMI SpendsBank Charges & FeesLate Payment FeesFinancial ChargesInterest ChargesTransaction ChargesGift Cards and VouchersGambling TransactionsCryptocurrency/Digital Asset TransactionsSecurity Broker ServicesGovernment-related TransactionsInsurance PaymentsUtility Bill PaymentsRent PaymentFuel SpendsJewellery PurchasesOutstanding Payments

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

Full charges and terms: Bank MITC / Terms