Best Credit Card

All Benefits

  • 2 nights breakfast-inclusive stays at IHCL hotels across India + a 1-night stay at Taj Palaces, plus an additional 1-night Taj Palaces voucher with every new renewed card
  • NeuPass Taj InnerCircle Platinum Tier membership
  • 25% savings and unlimited room upgrades at Taj, SeleQtions, Gateway, Vivanta hotels
  • 25% off F&B and Qmin, 4 set-meal-for-two vouchers, 30% off via EazyDiner, 50% off at Starbucks
  • 60-minute spa up to 4 year with sauna & steam, swimming pool access for 2 up to 12 year
  • 15% off duty-free via AdaniOne

Fees

Joining Fee 2 nights breakfast-inclusive stays at IHCL hotels across India plus a 1-night stay at Taj Palaces. With every new or renewed card, a voucher for an additional 1-night Taj Palaces stay (valid 6 months; offer valid until 30 September 2026). Plus NeuPass Taj InnerCircle Platinum Tier members
₹1,29,800
₹1,10,000 + GST
Annual Fee Not Applicable
₹1,29,800
₹1,10,000 + GST

Eligibility

Age
25-75 years
Salary
₹3L / Month
Credit Score
750+

Bank Fee Structure

Forex Markup Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid 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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable
2.5%
Reward Redemption No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment A fee of ₹350 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹350
Cash Payment A fee of ₹100 is charged for making credit card bill payments in cash
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹250₹0
₹251 - ₹500₹500
₹501 - ₹1,000₹950
₹1,001 and above₹1,200

100% of Minimum Payment Due subject to minimum ₹250 and maximum ₹1,200 per month

Reward Exclusions

FuelE-WalletRental PaymentEducationGovernmentTax paymentInsuranceJewellery & AntiquesCash WithdrawalsCredit RepaymentsForeign CurrencyLiquidCryptocurrency assetsMoney TransfersUtilities

Terms & Conditions

  • 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

Full charges and terms: Bank MITC / Terms