Earn White Pass value of ₹5,000 at ₹3 lakh, ₹15,000 at ₹10 lakh, ₹22,000 at ₹20 lakh, ₹24,000 at ₹30 lakh, ₹26,000 at ₹40 lakh, ₹28,000 at ₹50 lakh, ₹63,000 at ₹75 lakh and ₹67,000 at ₹100 lakh of spends settled in a card anniversary year, for a maximum of ₹2,50,000 a year
unlimited complimentary domestic and international airport lounge access at 1,000+ airports across the world for the primary
2 complimentary golf tee-offs every month at select golf courses in India and around the world for the primary cardholder
annual Club Marriott membership across 350 Marriott hotels and 1,000 restaurants in Asia Pacific
up to 25% off food and beverage bills in India and up to 20% across Asia Pacific
Fees
Joining FeeNot applicable
₹14,750
₹12,500 + GST
Annual FeeThe annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy
₹14,750
₹12,500 + GST
Eligibility
Age
28-60 years
Salary
₹2.08L / Month
Credit Score
720+
Bank Fee Structure
Forex Markup2.00% 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 (2%): ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
Finance Charges (APR)Finance charges of 3.50% per month 42% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.5%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward RedemptionNo fee is charged when redeeming
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentThis fee is not applicable for this card
Not Applicable
Cheque PaymentA fee of 2% of the bounce amount, subject to a minimum of ₹500, is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentThis fee is not applicable for this card
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹500
₹1001 - ₹5000
₹600
₹5001 - ₹10000
₹750
₹10001 - ₹25000
₹900
₹25001 - ₹50000
₹1100
Above ₹50000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
