Earn 10% cashback on dining, food delivery, and grocery spends, one of the highest cashback rates in these everyday categories, capped at ₹1,000/month
Get 1.5% unlimited cashback with no monthly cap on shopping, hotels, medicine, and most other retail spends
Welcome package worth ₹1,250 - ₹1,000 cashback on ₹20,000 spend in 30 days plus ₹250 Amazon voucher on online application
Fees
Joining Fee₹1,000 cashback on ₹20,000 spent within 30 days of card issuance and ₹250 Amazon e-gift voucher on completing application and video KYC.
₹1,179
₹999 + GST
Annual FeeThe annual fee is waived if you spend ₹200000 or more in a year on your card, as per bank policy.
₹1,179
₹999 + GST
Eligibility
Age
21-65 years
Salary
₹50K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% 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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeA 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 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 ₹500 is charged for payments made by cheque.
₹500
Cash PaymentA 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 - ₹500
₹0
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹750
₹10001- and above
₹1200
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.
