Best Credit Card

All Benefits

  • Earn 10% cashback on Dining (stand-alone restaurants) and Movies, combined capped at ₹600 per month; eligible on transactions up to ₹4,000; requires minimum spend of ₹10,000 on other categories in the same billing cycle
  • Get 4 complimentary PVR tickets or ₹750 cashback on spending ₹1,25,000 every 6 months (maximum 8 PVR tickets or ₹1,500 cashback per year)
  • Railway surcharge waiver on transactions at irctc.co.in and Indian Railways booking counters, capped at ₹500 per calendar year

Fees

Joining Fee No welcome benefit is provided to offset the joining fee.
₹2,359
₹1,999 + GST
Annual Fee The annual fee of ₹299 is non-waivable and will be charged every year.
₹353
₹299 + GST

Eligibility

Age
21-65 years
Salary
₹50K / Month
Credit Score
720+

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) 3.5% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 42%
3.50%
ATM Withdrawal 3% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹300, if applicable).
3%
Reward Redemption No fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge A 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 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
N/A
Cash Payment ₹110 cash payment fee per deposit
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹500₹100
₹501 – ₹10,000₹500
Above ₹10,000₹700

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

No Rewards On

FuelEMI TransactionsCash WithdrawalsWallet Transactions - Load MoneyGST ChargesAll ReversalsGamblingRailwaysUtility Bill PaymentsRent PaymentsInsuranceJewellerySchool & Educational ServicesGovernment related transactionsTollsSecurity Broker ServicesCharityBalance TransferFinancial Charges

Excluded Spends

FuelEMI TransactionsCash WithdrawalsWallet Transactions - Load MoneyGST ChargesAll ReversalsGamblingRailwaysUtility Bill PaymentsRent PaymentsInsuranceJewellerySchool & Educational ServicesGovernment Related TransactionsTollsSecurity Broker ServicesCharityBalance TransferFinancial Charges

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