Best Credit Card

All Benefits

  • Enjoy 2 complimentary domestic airport lounge accesses per quarter on eligible spends of ₹35,000 or more required in the previous calendar quarter; maximum 8 lounge visits per year
  • Earn 10 Reward Points per ₹100 on dining, entertainment, grocery, and international purchases (up to 1,000 Reward Points/month)
  • Milestone rewards: 10,000 Reward Points on annual spends of ₹2L, ₹3.5L, and ₹5L respectively (total up to 30,000 points/year

Fees

Joining Fee Get 10,000 Reward Points on your first transaction within 30 days of card issuance.
Free
Lifetime Free
Annual Fee The annual fee of ₹2500 is non-waivable and will be charged every year.
₹2,950
₹2,500 + GST

Eligibility

Age
21-65 years
Salary
₹50K / 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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 Applicable
Cash Payment ₹100 cash payment fee per deposit
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹40₹5
₹41 - ₹100₹10
₹101 - ₹500₹100
₹501 - ₹5,000₹500
₹5,001 - ₹10,000₹750
₹10,001 - ₹25,000₹950
₹25,001 - ₹50,000₹1,100
₹50,000 and above₹1,300

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Reward Exclusions

Rent PaymentFuel SpendsRailwaysUtility Bill PaymentsReal Estate/RentalWallet TransactionsInsurance PaymentsQuasi-cashEducation SpendsGovernment-related TransactionsContracted ServicesATM Cash WithdrawalsMiscellaneous

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