Lifetime-free credit card with a 3-2-1 rewards structure 3X on Electronics & Apparel, 2X on Entertainment, 1X on all other spends
₹200 Amazon Pay e-Voucher on ₹3,000 spend within the first 30 days
1 complimentary domestic airport lounge visit per quarter on ₹20,000 quarterly spend
Buy One Get One on INOX movie tickets once a quarter; a complimentary Swiggy voucher on ₹20,000 quarterly spend
Visa Deals & Offers across travel, food and dining, shopping, sports, entertainment and lifestyle
Fees
Joining FeeAmazon Pay e-Voucher worth ₹200 on a minimum spend of ₹3,000 within 30 days of card issuance
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
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 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 1.99% to 3.75% per month 23.88% to 45% per annum, based on your average monthly balance / banking relationship, apply on unpaid outstanding balances until the amount is fully repaid
1.99%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable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 request
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of 2% of the payment amount minimum ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentA fee of ₹100 is levied when the credit card outstanding is paid in cash over the Branch
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹250
₹0
₹251 - ₹1000
₹250
₹1001 - ₹5000
₹500
₹5001 - ₹25000
₹ 1000
Above ₹25000
₹1250
No late payment fee is charged where the amount due as per the last statement is less than ₹100
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
