8 complimentary domestic airport lounge visits and 4 international Priority Pass visits every year (max 2 per quarter for international, outside India)
Earn 10 Reward Points per ₹100 on dining, departmental stores, and grocery spends; 2 Reward Points per ₹100 on other retail spends
Complimentary 1-year Club ITC Silver Tier Membership and Priority Pass Program membership worth $99
Birthday Benefit: 20 Reward Points per ₹100 on birthday spends, capped at 2,000 Reward Points per calendar year
Pizza Hut e-Voucher worth ₹1,000 on ₹50,000 quarterly spends, ₹7,000 e-Voucher from Yatra.com/Pantaloons on ₹5 lakh annual spends, plus renewal fee waiver on ₹3 lakh annual spends
Fees
Joining FeeGet a ₹3,000 welcome voucher on card activation, effectively offsetting the joining fee.
₹3,539
₹2,999 + GST
Annual FeeThe annual fee is waived if you spend ₹3 lakh or more in a year on your card, as per bank policy.
₹3,539
₹2,999 + GST
Eligibility
Age
21-70 years
Salary
₹75K / Month
Credit Score
700+
Bank Fee Structure
Forex Markup3.5% 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 3.5% per month 42% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.5%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeSurcharge 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 PaymentA surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199 + GST
Cheque Payment₹200 will be charged for all payments done via Check
₹200
Cash Payment₹250 cash payment fee per deposit.
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹500 - ₹1000
₹400
₹1000 - ₹10000
₹750
₹10000 - ₹25000
₹950
₹25000 - ₹50000
₹1100
₹50001 and above
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared.
No Rewards On
Fuel TransactionsRent PaymentsWallet LoadsCash WithdrawalsEMI Transactions or spends converted to EMI (pre or post-purchase)Government and Statutory PaymentsEducation PaymentsInsurance Premium PaymentsUtility Bill PaymentsRailway Ticket BookingsGift Card or Voucher PurchasesGambling or Lottery TransactionsCryptocurrency or Digital Asset TransactionsCancelled or Reversed or Refunded Transactions
Excluded Spends
Fuel TransactionsRent PaymentsWallet LoadsCash WithdrawalsEMI TransactionsInterest and PenaltiesGovernment and Statutory PaymentsEducation PaymentsInsurance Premium PaymentsUtility Bill PaymentsRailway Ticket BookingsGift Card or Voucher PurchasesGambling or Lottery TransactionsCryptocurrency or Digital Asset Transactions
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
