Best Credit Card

All Benefits

  • complimentary Emirates Skywards Blue Tier membership on payment of the joining fee
  • up to 10% discount on Emirates flight bookings via Emirates.com or the Emirates App using promo code INICI26
  • 1 complimentary domestic airport lounge visit per calendar quarter on spends of ₹75,000 in the preceding calendar quarter
  • 25% off up to ₹100 on movie tickets twice a month, separately on BookMyShow and INOX

Fees

Joining Fee Complimentary Emirates Skywards Blue Tier membership
₹1,180
₹1,000 + GST
Annual Fee Not Applicable
₹1,180
₹1,000 + GST

Eligibility

Age
21-60 years
Salary
₹75K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.50% 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 → ₹3.50 ₹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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable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 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment A fee of ₹150 per payment transaction is levied when the credit card bill is paid in cash at the branch
₹150

Late Payment Charges

Amount dueFee
₹0–₹100₹0
₹100–₹500₹100
₹501–₹1,000₹500
₹1,001–₹5,000₹600
₹5,001–₹10,000₹750
₹10,001–₹25,000₹900
₹25,001–₹50,000₹1,100
Above ₹50,000₹1,300

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Reward Exclusions

FuelATM WithdrawalCash AdvanceEMIsBalance TransferPersonal LoanInsurance PaymentsUtility BillsGovernment SpendsEducation PaymentsRentE-Wallet Loading

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