All Benefits
- Earn 2X reward points on every ₹150 spent online, capped at 500 reward points per statement cycle
- Earn 1 reward point for every ₹150 spent on all other spends
- Up to 20% off on Swiggy Dineout via Good Food Trail dining privileges
Fees
Joining Fee
No welcome benefit is provided to offset the joining fee.
₹590
₹500 + GST
Annual Fee
The annual fee is waived if you spend ₹50000 or more in a year on your card, as per bank policy.
₹590
₹500 + GST
Eligibility
Age
21-60 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 → ₹3.5 ₹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 Withdrawal
3.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹.
3.5%
Reward Redemption
A reward redemption handling fee of ₹150 plus applicable GST is charged per redemption request.
₹150
Railway Surcharge
1% of the transaction amount + GST will be charged on Railway Ticket Purchases.
1%
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 ₹50 is charged for payments made by cheque.
₹50
Cash Payment
A fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM.
₹100
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0–₹100 | ₹0 |
| ₹101–₹500 | ₹100 |
| ₹501–₹1,000 | ₹350 |
| ₹1,001–₹10,000 | ₹550 |
| ₹10,001–₹50,000 | ₹1100 |
| above ₹50,000 | ₹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.
Reward Exclusions
Terms & Conditions
- ...rewards
- Welcome benefit is applicable only on spends within 30 days of card issuance
Full charges and terms: Bank MITC / Terms