5% cashback on leading brands Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, and Cult.fit
Cashback is earned as reward points 1 reward point = ₹1 as statement credit
1% cashback on all other spends
Cashback redemption capped at 3,000 reward points per calendar month minimum 500 points required for redemption
Up to 10% additional cashback across 200+ brands via SmartBuy/PayZapp Shop
₹1,000 gift voucher on spending ₹1,00,000 or more in each calendar quarter alternatively, choose 1 domestic lounge access
Fees
Joining FeeNot Applicable
₹1,180
₹1,000 + GST
Annual FeeThe annual fee is waived if you spend ₹1 lakh or more in a year on your card, as per bank policy.
₹1,180
₹1,000 + GST
Eligibility
Age
21-60 years
Salary
₹33.3K / 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. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.
2.50%
Reward RedemptionA reward redemption handling fee of ₹50 plus applicable GST is charged per redemption request.
₹50
Railway SurchargeRailway ticket bookings made using this card attract a surcharge of 1% of the transaction amount plus applicable GST, as charged by Indian Railways / payment gateway
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 PaymentA fee of ₹50 is charged for payments made by cheque.
₹50
Cash PaymentA fee of ₹250 is charged for payments made by depositing cash at a bank branch or ATM.
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹600
₹10001 - ₹25000
₹800
₹25001 - and above
₹1300
Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above.
