Best Credit Card

All Benefits

  • One-time up to ₹500 off on BookMyShow when first transaction is done within 30 days of issuance (valid for 60 days after first statement generation)
  • Spend ₹5,000 in a billing cycle to unlock up to ₹500 off on BookMyShow each month (min. 2 tickets, single transaction; discount is lower of ₹500 or value of 2 tickets)
  • Get up to ₹100 off per month on food & beverages on BookMyShow when booking movie tickets (min. 2 tickets required)
  • Get 1% fuel surcharge waiver on fuel spends of ₹500–₹4,000, capped at ₹100 per month
  • Spend ₹1.5 lakh in the preceding anniversary year to get the next year’s annual fee waived (certain categories excluded); Superstar customers may also get annual fee waiver as per BookMyShow tagging

Fees

Joining Fee Joining fee is offset through a ₹500 BookMyShow welcome discount.
₹590
₹500 + GST
Annual Fee The annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.
₹590
₹500 + GST

Eligibility

Age
21-65 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 (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR) Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.99%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
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 Appplicable
Cash Payment ₹250 cash payment fee per deposit
₹100

Late Payment Charges

Amount dueFee
Min ₹5Min ₹5
Max ₹1,300Max ₹1,300

12.5% of Total Outstanding Amount

Reward Exclusions

Rent PaymentFuel SpendsInsurance PaymentEMI TransactionsCash WithdrawalsGovernment Related TransactionsWallet TransactionsAll ReversalsQuasi-Cash

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