Best Credit Card

All Benefits

  • 5 Reward Points per ₹100 on online spends
  • 1 Reward Point per ₹100 on offline spends
  • ₹1,000 voucher on ₹2L annual spend
  • ₹5,000 voucher on ₹5L annual spend

All Benefits

  • 10% cashback on Myntra, Zomato, and Uber

Fees

Joining Fee The joining fee is not offset by any bonus or credit.
₹118
₹100 + GST
Annual Fee The annual fee is waived if you spend ₹5 Thousand or more in a year on your card, as per bank policy.
₹1,416
₹1,200 + GST

Eligibility

Age
21-60 years
Salary
₹16.7K / 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) Interest is charged at 3.99% per month (annualized rate of 47.88%) on outstanding balances and unpaid dues.
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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.
As prescribed by IRCTC / Indian Railways
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 fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment Cash payment at bank branches will attract a fee of ₹100 per transaction.
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹5,000₹500
₹5,001 - ₹10,000₹700
₹10,001 - ₹25,000₹950
₹25,001 - ₹50,000₹1,100
₹50,001+₹1,300

Late payment charges based on total due

No Rewards On

Fuel SpendsAutoRentalUtility Bill PaymentsInsurance PaymentsRailwaysEducation SpendsGovt. ServicesATM Cash WithdrawalsContracted ServicesQuasi-CashMiscellaneous

Excluded Spends

EMI SpendsFuel SpendsRailwaysUtility Bill PaymentsInsurance PaymentsGovt. ServicesQuasi-CashContracted ServicesATM Cash WithdrawalsBills2Pay

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.

Full charges and terms: Bank MITC / Terms