Earn 2 Reward Points per ₹100 spent on LIC insurance premium payments, valid only on transactions made through official LIC premium payment gateways and not through any third-party applications
Earn 2 Reward Points per ₹100 spent on foreign currency transactions
Earn 1 Reward Point per ₹100 spent on other eligible purchases
Complimentary personal accident insurance cover of ₹3 lakh
Complimentary air accident insurance cover of ₹1 crore when air ticket is purchased using the card and the card has been used at a merchant or ATM within 90 days prior to the incident
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
18-70 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% 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 3.60% per month (43.2% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.60%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.50%
Reward RedemptionCharged per redemption request
₹30
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 PaymentThis fee is not applicable for this card.
Not Applicable
Cheque PaymentA fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal, subject to a minimum of ₹450
2%
Cash PaymentFee for paying the bill in cash at the branch
₹100
Late Payment Charges
Amount due
Fee
₹0–₹300
₹0
₹301–₹500
₹100
₹501–₹1,000
₹500
₹1,001–₹10,000
₹750
₹10,001–₹25,000
₹950
₹25,001–₹50,000
₹1,000
Above ₹50,000
₹1,200
Late fee depends on your Total Payment Due slab. Pay the Minimum Amount Due to avoid the slab fee. An additional ₹100 applies if MAD is missed for two consecutive cycles
The bank may issue a different card variant based on your eligibility; please review features before applying
(If applicable) A minimum transaction of ₹100 within 30 days is required to activate rewards and a handling charge of ₹30 + GST applies per redemption request.
