Earn 4 reward points per ₹100 spent internationally
Earn 2 reward points per ₹100 spent domestically
Earn 1 reward point per ₹100 spent on utilities and insurance.
Get 4,000 reward points on ₹4 lakh spend & 2,000 for every additional ₹1 lakh spend
Fees
Joining FeeThe joining fee is not offset by any bonus or credit.
₹7,670
₹6,500 + GST
Annual FeeThe annual fee is waived if you spend ₹6 lakh or more in a year on your card, as per bank policy.
₹4,130
₹3,500 + GST
Eligibility
Age
21-65 years
Salary
₹75K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% 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)3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45%
3.75%
ATM WithdrawalInterest is charged at 3.75% per month from the date of withdrawal. No interest-free period is applicable on cash withdrawals. Cash advance fee as per MITC is also applicable
3.75%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
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 ₹100 is charged for payments made through cheque
₹100
Cash Payment₹100 cash payment fee per deposit.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹100 - ₹500
₹100
₹501 - ₹1000
₹500
₹1001 - ₹5000
₹600
₹5001 - ₹10000
₹750
₹10001 - ₹25000
₹900
₹25001 - ₹50000
₹1100
₹50000 and above
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
No Rewards On
Fuel SpendsEMI SpendsWallet LoadsCash AdvancesPayment Of Outstanding BalancesBank Charges & FeesRent PaymentGovernment-related TransactionsInsurance PaymentsEducation SpendsJewellery PurchasesUtility Bill Payments
Excluded Spends
Fuel SpendsEMI SpendsWallet LoadsJewellery PurchasesCash AdvancesPayment Of Outstanding BalancesBank Charges & FeesRent PaymentGovernment-related TransactionsInsurance PaymentsEducation SpendsUtility Bill Payments
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
