Choose from 4 customizable reward plans: Shop, Home, Travel, or Party, to earn 4 savings points per ₹100 (effective 2%) on the category you spend most on
Travel Plan earns 4 points/₹100 on hotels and 2.5 on airlines, ideal for frequent travellers looking to maximize savings points convertible to airline miles
Points never expire as long as the card is active and can be redeemed as cash credit (₹0.50/point) or converted to airline miles (0.5 miles/point).
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
725+
Bank Fee Structure
Forex Markup3.50% 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)3.95% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.
3.95%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.
2.50%
Reward RedemptionA reward redemption handling fee of ₹100 plus applicable GST is charged per redemption request.
₹100
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
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 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal.
2%
Cash PaymentA fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹350
₹1001 - ₹10000
₹550
₹10001 - ₹25000
₹800
₹25001 - ₹50000
₹1100
₹50001 - and above
₹1300
Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above.
