Best Credit Card

All Benefits

  • Earn unlimited 2.5 Mojo points per ₹100 on online spends
  • Earn unlimited 1 Mojo point per ₹100 on all other spends
  • Earn Mojo points on Education and Insurance spends capped at ₹70,000 per statement cycle
  • Earn Mojo points on Utility spends capped at ₹50,000 per statement cycle
  • Earn Mojo points on Government spends capped at ₹40,000 per statement cycle
  • Earn 2,500 Mojo points every quarter on spending ₹75,000 (first year only; excludes Utility, Wallet Load, Fuel, Gaming, Insurance, Government, Rent & Education)

Fees

Joining Fee No welcome benefit is provided to offset the joining fee.
₹1,180
₹1,000 + GST
Annual Fee The annual fee is waived if you spend ₹1 lakh or more in a year on your card, as per bank policy.
₹1,180
₹1,000 + GST

Eligibility

Age
21-60 years
Salary
₹33.3K / 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 3.50% per month (42% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.50%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 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
Not Applicable
Cash Payment ₹100 will be charged for all payments done via Cash
₹100

Late Payment Charges

Amount dueFee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹5,000₹500
₹5,001 – ₹10,000₹600
₹10,001 – ₹25,000₹800
₹25,001 – ₹50,000₹1,000
> ₹50,000₹1,200

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. This charge will continue to be levied for every payment cycle until the MAD is cleared

Reward Exclusions

FuelCash WithdrawalsWallet LoadRentOnline Skill-Based Gaming

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