earn Reward Points on credit card-linked UPI payments
convert points to air miles, hotel loyalty points or gift cards
welcome benefits worth ₹500 + ₹250 + ₹250 cashback, a ₹250 Amazon eGift Voucher and a 2-month EazyDiner membership
District by Zomato 10% off dining/activities/shopping + buy-one-get-one movie tickets
Fees
Joining Fee₹500 cashback, ₹250 Amazon eGift Voucher, 2-month EazyDiner membership, and ₹250 cashback on UPI
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
18-65 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
3.5%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
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 PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹500
Cash PaymentA fee of ₹100 is charged for making credit card bill payments in cash at the branch
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹400
₹501 - ₹5000
₹ 500
₹5001 - ₹10000
₹ 750
₹10000 and above
₹ 950
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.
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
