Best Credit Card

All Benefits

  • 5% cashback on first EMI transaction within 30 days (maximum ₹1,000)
  • ₹500 welcome gift voucher on spending ₹5,000 within 30 days
  • 25% discount on movie ticket bookings
  • Access to 300+ merchant offers across the year
  • Cashback credited within 90 days of offer fulfilment period

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

Age
21-65 years
Salary
₹25K / Month
Credit Score
750+

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 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.99%
ATM Withdrawal 0% interest (45 days) | ₹199 + GST per withdrawal
0%
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge 1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra.
1%
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 N/A
Not Applicable

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0 - ₹100
₹500₹500
₹5000₹5000
₹8000₹8000
₹10,000₹10,000
₹10,000 & above₹10,000 & above

Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).

No Rewards On

Fuel SpendsRent PaymentWallet LoadsATM Cash WithdrawalsEMI SpendsAll ReversalsGift Card and Voucher PurchasesBank Charges & FeesInterest ChargesLate Payment FeesMoney TransfersP2P TransfersGovernment-related TransactionsTaxesUtility Bill PaymentsInsurance PaymentsCryptocurrency/Digital Asset TransactionsGambling TransactionsOutstanding Payments

Excluded Spends

Fuel SpendsRent PaymentWallet LoadsCash AdvancesEMI SpendsBank Charges & FeesAll ReversalsGift Card and Voucher PurchasesMoney Transfers and P2P TransfersGovernment-related TransactionsTaxesUtility Bill PaymentsInsurance PaymentsCryptocurrency/Digital Asset TransactionsGambling TransactionsOutstanding 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

Full charges and terms: Bank MITC / Terms