Best Credit Card

All Benefits

  • Earn 2 reward points per ₹100 on UPI transactions
  • Earn 1 reward point per ₹100 on non-UPI transactions
  • Earn ₹0.70 per ₹100 on select merchant categories
  • Reward points applicable only up to assigned credit limit per statement cycle
  • Maximum 2,500 reward points allowed for cash redemption per calendar month

Fees

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

Eligibility

Age
21-60 years
Salary
₹50K / 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 3.95% per month (47.40% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.95%
ATM Withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.50%
Reward Redemption No fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
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 ₹100 cash payment fee per deposit
₹100

Late Payment Charges

Amount dueFee
₹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

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

No Rewards On

FuelInsuranceRent paymentEMI Transactions

Excluded Spends

FuelInsuranceRent paymentEMI TransactionsCash WithdrawalsJewellerySchool & Educational ServicesGovernment related transactionsWallet transactions - Load moneyFeesGST chargesAll ReversalsGamblingTollsSecurity Broker ServicesCharityRailwaysUtility 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

Full charges and terms: Bank MITC / Terms