Earn up to 4 myCash per ₹200 spent on hotel and holiday bookings via MakeMyTrip
Earn 2 myCash per ₹200 spent on flight bookings via MakeMyTrip
Earn 1.5 myCash per ₹200 spent on international transactions outside MakeMyTrip
Earn 1.25 myCash per ₹200 spent on domestic transactions outside MakeMyTrip
My Cash redemption value is ₹1 per point on MakeMyTrip
Milestone reward of 1,100 My Cash on annual spends of ₹2.5 lakh
Milestone reward of 4,000 My Cash on annual spends of ₹5 lakh
Complimentary international, domestic, and railway lounge access as per eligibility
Complimentary Dreamfolks membership with international lounge and spa access
1% fuel surcharge waiver on eligible fuel transactions at HPCL pumps
Welcome benefits including myCash, holiday voucher, and MMTBLACK membership
Fees
Joining Fee1,500 myCash (100% usable on MakeMyTrip), a ₹2,500 Holiday Voucher, and complimentary MMTBLACK Platinum Membership on payment of the joining fee.
₹2,950
₹2,500 + GST
Annual FeeThe annual fee is not waived under any spending conditions.
Free
Lifetime Free
Eligibility
Age
21-58 years
Salary
₹75K / Month
Credit Score
750+
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 (3.50%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request
₹99
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 Payment2% of the total amount is charged for cheque return fee
2%
Cash PaymentA fee of ₹100 + GST is charged for payments made by depositing cash
₹100
Late Payment Charges
Amount due
Fee
₹0 - 100
₹0
- ₹100
₹100
₹101 - ₹500
₹500
₹501 - ₹1000
₹600
₹1001 - ₹5000
₹750
₹5001 - ₹10000
₹900
₹10001 - ₹25000
₹1100
₹25001 - ₹50000
₹1300
₹50000 and above
Late payment charges apply if the Minimum Amount Due is not paid by the due date
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
