Get 1% to 1.5% cashback on all UPI Scan and pay transactions
2 reward points for every ₹200 spent on all non-UPI transactions
Lifetime free credit card with no joining or renewal fees
Earn rewards on daily spends with simple reward structure
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
25-60 years
Salary
₹16.7K / Month
Credit Score
760+
Bank Fee Structure
Forex Markup2.75% 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 → ₹2.75 ₹1,000 → ₹27.5 ₹10,000 → ₹275 ₹1,00,000 → ₹2750
2.75%
Finance Charges (APR)Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.99%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption₹100 redemption fee per redemption
₹100
Railway SurchargeA railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
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 ₹25 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹25
Cash Payment₹100 cash payment fee per deposit
₹100
Late Payment Charges
Amount due
Fee
₹0 – ₹500
₹0
₹501 – ₹5,000
₹500
₹5,001 – ₹10,000
₹750
Above ₹10,000
₹1,200
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
Fuel SpendsEMI transactionsPurchases converted to EMI post factoWallet loading transactionsPurchase of Jewelry itemsCash advancesPayment of outstanding balancesPayment of card fees and other card chargesRental PaymentsGovernment servicesInsurance servicesEducation servicesUtility Spends that are not done on Airtel Thanks platform
Terms & Conditions
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
