Best Credit Card

All Benefits

  • Earn 10 Reward Points on every ₹100 spent on Chemist, Pharmacy, Sports, Dining & Movies; 4 Reward Points = ₹1
  • Earn 2 Reward Points on every ₹100 spent on all other spends; 4 Reward Points = ₹1
  • Get ₹1,500 e-Voucher on annual retail spends of ₹4,00,000
  • Enjoy Complimentary 1-year FITPASS PRO Membership on card renewal every year
  • Enjoy Complimentary 1-year Netmeds First Membership on card renewal every year

Fees

Joining Fee The joining fee is offset with a ColorFit Pulse 4 Pro worth ₹7,999 on payment of the fee.
₹1,769
₹1,499 + GST
Annual Fee The annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.
₹1,769
₹1,499 + GST

Eligibility

Age
21-60 years
Salary
₹16.7K / Month
Credit Score
750+

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 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.75%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199 + GST
Cheque Payment ₹200 cheque payment fee per deposit.
₹200
Cash Payment ₹250 cash payment fee per deposit.
₹250

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹1000₹400
₹1001 - ₹10,000₹750
₹10,001 - ₹25,000₹950
₹25,001 - ₹50,000₹1100
₹50,001 and above₹1300

Reward Exclusions

All ReversalsCancelled TransactionsCash AdvancesATM Cash WithdrawalsQuasi-Cash TransactionsMoney TransfersP2P TransfersWallet LoadsGift Cards And VouchersEMI SpendsBank Charges & FeesLate Payment FeesProcessing FeesFinancial ChargesInterest ChargesPayment Returned ChargesService/Interest ChargesTransaction ChargesEducation SpendsFuel SpendsFuel SurchargeGambling TransactionsLotteryOnline Skill-Based GamingGovernment-Related TransactionsUtility Bill PaymentsTelecomTaxesInsurance PaymentsJewellery PurchasesForex TransactionsCryptocurrency/Digital Asset TransactionsRent PaymentRailwaysCollection AgenciesSecurity Broker ServicesCharityDonationsAntique ItemsLoad MoneyLiquid AssetsOutstanding PaymentsVoucher PurchasesDonations To Religious OrganizationsDonations To Political Organizations

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