All Benefits
- 4 Travel Credits ₹200 on travel and 2 ₹200 on other spends
- 8 domestic + 4 international lounge visits with Priority Pass
- milestone bonuses 10,000 credits at ₹8 lakh, extra lounge visits
Fees
Joining Fee
3,000 Travel Credits on spends of ₹60,000 within 60 days of card issuance, credited on payment of the joining fee
₹3,539
₹2,999 + GST
Annual Fee
The annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy
₹3,539
₹2,999 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup
2.5% 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 (2.5%): ₹100 → ₹2.5 ₹1,000 → ₹25 ₹10,000 → ₹250 ₹1,00,000 → ₹2,500
2.5%
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2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward Redemption
₹99 redemption fee per redemption applicable on physical products, statement fee credit and physically-sent vouchers
₹99
Railway Surcharge
A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment
A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199
Cheque Payment
A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment
A fee of ₹250 is levied when the outstanding is paid in cash over the counter
₹250
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1,000 | ₹500 |
| ₹1,001 - ₹5000 | ₹600 |
| ₹5001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹900 |
| ₹25,001 - ₹50,000 | ₹1100 |
| ₹50,001 and above | ₹1300 |
An additional ₹100 applies if the Minimum Amount Due is not paid for two consecutive billing cycles
Reward Exclusions
Terms & Conditions
- The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
- A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
Full charges and terms: Bank MITC / Terms