Earn 5% cashback on the choice of any two categories including Dining & Entertainment (BookMyShow, Zomato), Travel (MakeMyTrip, Uber), Grocery (Blinkit, Reliance Smart Bazaar), Electronics (Croma, Reliance Digital), and Fashion (Nykaa, Myntra)
Earn 3% Cashback on Amazon, Flipkart, or PayZapp transactions, as applicable
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets.
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 for cheque value up to ₹5,000 and ₹50 for cheque value above ₹5,000.
₹25
Cash Payment₹100 cash payment fee per deposit.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1,000
₹500
₹1,001 - ₹5000
₹600
₹5001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹900
₹25,001 - ₹50,000
₹1100
₹50,001 and above
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared.
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
