Best Credit Card

All Benefits

  • Earn 4 RP per ₹100 on international spends
  • Earn 2 RP per ₹100 on domestic spends
  • Earn 1 RP per ₹100 on utility & insurance spends
  • 3,000 RP on ₹3 lakh annual spend + 1,500 RP per additional ₹1 lakh
  • 1 complimentary golf round per ₹50,000 monthly spend (max 2 per month)

Fees

Joining Fee Welcome Vouchers Worth Over ₹5,000 from Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip
₹3,540
₹3,000 + GST
Annual Fee The annual fee is waived if you spend ₹3 lakh or more in a year on your card, as per bank policy.
₹2,360
₹2,000 + GST

Eligibility

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

Bank Fee Structure

Forex Markup 3.5% 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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge A 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 Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment No cheque payment fee is charged
Not Applicable
Cash Payment ₹150 cash payment fee per deposit
₹150

Late Payment Charges

Amount dueFee
₹0 - ₹5000
₹501 - ₹1000₹100
₹1001 - ₹5000₹500
₹5001 - ₹10000₹600
₹10001 - ₹25000₹750
₹25001 - ₹50000₹900
₹50000 and above₹1100

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

No Rewards On

Rent PaymentFuelEMIWallet LoadRent & PropertyGovernment PaymentsEducation PaymentsCredit Balance RefundBank Charges & FeesReversal TransactionsCancelled TransactionsCash AdvancesDynamic Currency ConversionInterest ChargesPayment of Card FeesInsurance Premium

Excluded Spends

Rent paymentFuelInsuranceEMI TransactionsCash WithdrawalsJewellerySchool & Educational ServicesGovernment related transactionsWallet transactionsLoad moneyFeesGST chargesAll ReversalsGamblingTollsSecurity Broker ServicesCharityRailwaysUtility Bill PaymentsBalance TransferFinancial Charges

Terms & Conditions

  • 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

Full charges and terms: Bank MITC / Terms