6 SC Points per ₹200 on SpiceJet; 6 SC Points on utility/food/entertainment; 3 SC Points on other retail
12 SC Points per ₹200 on SpiceJet as SpiceClub Silver membership benefit
4 domestic airport lounge visits per year.
Up to 15% off on MakeMyTrip every Wednesday.
Fees
Joining FeeSpiceJet flight e-voucher worth ₹1,500 on completing 2 eligible transactions within 30 days of card issuance.
₹885
₹750 + GST
Annual FeeThe annual fee is not waived under any spending conditions.
₹885
₹750 + GST
Eligibility
Age
18-70 years
Salary
₹20.8K / 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 → ₹3.5 ₹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ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST
1%
Cheque Payment2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal, subject to a minimum of ₹500
2%
Cash PaymentA fee of ₹175 is charged for payments made by depositing cash at a bank branch
₹175
Late Payment Charges
Amount due
Fee
₹0 – ₹500
₹0
₹501 – ₹5,000
₹500
₹5,001 – ₹10,000
₹750
Above ₹10,000
₹1,200
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. Additional ₹100 on missing payment of MAD for two consecutive cycles
Reward Exclusions
Fuel TransactionsWallet LoadsEMI TransactionsInsurance PremiumsGovernment PaymentsEducational FeesGift Cards and Vouchers
Terms & Conditions
The bank may issue a different card variant based on your eligibility; your application is subject to KYC, credit checks, and final approval. Fees, Charges, Interest Rates, Limits, and program terms may change; please review the (MITC) before applying.
By using the card, you agree to the bank’s terms and applicable RBI guidelines; missed payments may incur fees and be reported to credit bureaus.
