All Benefits
- Cardholders receive 350 activation bonus Reward Points on making a single transaction of ₹500 or more within 45 days of card issuance
- Offers on Travel, Golf, Dining, and Entertainment from Visa
Fees
Joining Fee
350 bonus Reward Points (worth ₹350) and ₹100 cashback on your first ATM withdrawal.
₹590
₹500 + GST
Annual Fee
Not Applicable
₹590
₹500 + GST
Eligibility
Age
21-70 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 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal
2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.50%
Reward Redemption
A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request
₹99
Railway Surcharge
Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges
As prescribed by IRCTC / Indian Railways
Rent Payment
A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199
Cheque Payment
A fee of ₹200 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹200
Cash Payment
₹250 cash payment fee per deposit
₹250
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1000 | ₹400 |
| ₹1001 - ₹10000 | ₹750 |
| ₹10000 - ₹25000 | ₹950 |
| ₹25000 - ₹50000 | ₹1100 |
| ₹50000 and above | ₹1300 |
An additional Late Payment Charge of ₹100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles
Reward Exclusions
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