10X CashPoints (up to 3.3% valueback) on Amazon, Flipkart, Swiggy, BigBasket & partner merchants (monthly cap ₹2,500 for Amazon/Flipkart)
10X CashPoints on online food ordering (monthly cap ₹15,000)
2 CashPoints per ₹150 spent on all other transactions
₹500 gift voucher on quarterly spends of ₹50,000 or more
Accelerated rewards across household and everyday spending categories
Fees
Joining FeeThe joining fee is not offset by any bonus or credit.
₹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
₹20K / 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)3.6% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 43.2%
3.60%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets.₹10 is charged per transaction for bookings via IRCTC.
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 Payment₹25 (≤ ₹5,000), ₹50 (> ₹5,000)
₹50
Cash Payment₹100+ taxes will be charged for all payments done via Cash
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1000
₹100
₹1001 - ₹5000
₹500
₹5001 - ₹10000
₹600
₹10000 - ₹25000
₹750
₹25001 - ₹50000
₹900
₹50000 and above
₹1100
Reward Exclusions
Rent paymentFuelInsuranceEMI TransactionsCash WithdrawalsJewellerySchool & Educational ServicesGovernment related transactionsWallet transactionsLoad moneyFeesGST chargesAll ReversalsGamblingTollsSecurity Broker ServicesCharityRailwaysUtility Bill PaymentsBalance TransferFinancial Charges
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
