Best Credit Card

All Benefits

  • Monthly milestone reward points (total, not incremental): 200 RP on ₹5,000; 500 RP on ₹10,000; 1,000 RP on ₹15,000; 2,000 RP on ₹30,000; 4,000 RP on ₹60,000 eligible spends per statement cycle
  • Reward points on cumulative rental and utility spends of ₹20,000 or more per billing cycle
  • 100 reward points on every ₹5,000 UPI spends per statement month (requires FIRST Digital RuPay UPI Credit Card at ₹199/year)
  • From 2nd year onwards, 2,000 reward points on spending ₹5,000 within 45 days of annual fee levy
  • 4 complimentary railway lounge visits per quarter, subject to ₹20,000 spend in the previous calendar month

Fees

Joining Fee Get 2,000 reward points (worth ₹500) on ₹5,000 spends within 30 days of issuance. Plus 1-year Lenskart Gold Membership.
₹589
₹499 + GST
Annual Fee Annual fee is waived on 1 successful referral.
₹589
₹499 + GST

Eligibility

Age
18-65 years
Salary
₹25K / Month
Credit Score
700+

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 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR) Finance charges are not applicable on this card. The total amount due must be paid in full by the due date or converted to EMI before the payment due date
Not Applicable
ATM Withdrawal A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days).
₹199
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 No Cash payment fee is charged
Not Applicable

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹5,000₹100
₹5,001 - ₹10,000₹500
₹10,001 - ₹20,000₹750
Above ₹20,000₹1,000

Late payment charges apply if the total amount due is not paid by the due date. Charges are calculated at 15% of the total amount due from the previous statement, subject to a minimum of ₹100 and a maximum of ₹3,000 per month

Reward Exclusions

FuelInsuranceGovernment SpendsWallet LoadEMI TransactionsCash AdvancesJewelleryEducation Fees

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