Earn 1 Reward Point for every ₹100 spent on weekdays
Earn 2X reward points on weekends (2 points per ₹100) with no earning cap and points that never expire as long as the card is active.
Get 1 free movie ticket per month on BookMyShow (buy-1-get-1, capped at ₹200) plus ₹50 off on F&B.
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-65 years
Salary
₹25K / Month
Credit Score
700+
Bank Fee Structure
Forex Markup1.80% 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 (1.8%): ₹100 → ₹1.8 ₹1,000 → ₹18 ₹10,000 → ₹180 ₹1,00,000 → ₹1,800
1.80%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.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 ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge1% of the transaction amount + GST will be charged on Railway Ticket Purchases
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 PaymentNot Applicable
Not Applicable
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 – ₹1,000
₹350
₹1,001 – ₹10,000
₹550
₹10,001 – ₹25,000
₹800
₹25,001 – ₹50,000
₹1,100
Above ₹50,000
₹1,300
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.
