All Benefits
- Get 2 free PVR INOX movie tickets every month on spending ₹10,000+ in a monthly billing cycle
- Get 5% instant discount on Movie Tickets at PVR INOX
- No joining fee for the first year
Fees
Joining Fee
Not Applicable
Free
Lifetime Free
Annual Fee
Not Applicable
₹1,179
₹999 + GST
Eligibility
Age
21-60 years
Salary
₹25K / 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 (3.50%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)
3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest free period is up to 51 days for new purchases.
3.75%
ATM Withdrawal
2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.
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
A Cheque return fee exists of 2% of the bounce amount, subjected to a minimum value of ₹500
2%
Cash Payment
A fee of ₹100 will be charged for all payments done made by depositing cash
₹100
Late Payment Charges
| Amount due | Fee |
|---|---|
| Less than ₹100 | ₹0 |
| ₹100 – ₹500 | ₹100 |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹600 |
| ₹10,001 – ₹25,000 | ₹800 |
| ₹25,001 – ₹50,000 | ₹1,000 |
| Above ₹50,000 | ₹1,200 |
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
Terms & Conditions
- 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
Full charges and terms: Bank MITC / Terms