All Benefits
- 12X reward points on all online spends, capped at 800 points per month
- Buy 1 Get 1 free on BookMyShow movie tickets up to ₹200, once a month
- 4,000 bonus reward points worth ₹1,000 as a welcome gift on joining
Fees
Joining Fee
4,000 Reward Points on payment of the annual fee and ₹2,000 spent within 30 days of card issuance.
₹1,179
₹999 + GST
Annual Fee
The annual fee is waived if you spend ₹1,00,000 or more in a year on your card, as per bank policy.
₹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 (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)
3.99% 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 20 to 55 days for new purchases.
3.99%
ATM Withdrawal
2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.
2.5%
Reward Redemption
A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge
A surcharge of 1.8% is applied to transactions made for booking railway tickets
1.8%
Rent Payment
A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment
Not Applicable
Not Applicable
Cash Payment
A fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM.
₹100
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 - ₹99 | ₹0 |
| ₹100 - ₹499 | ₹100 |
| ₹500 - ₹4999 | ₹500 |
| ₹5000 - ₹9999 | ₹750 |
| ₹10000+ | ₹1200 |
Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above.
Reward Exclusions
Terms & Conditions
- ...rewards
- Welcome benefit is applicable only on spends within 30 days of card issuance
Full charges and terms: Bank MITC / Terms