Earn 2% cashback on all online spends, capped at ₹1,000 per month
Earn 1% cashback on all other spends, capped at ₹500 per month (fuel transactions not eligible for cashback)
Total cashback potential of up to ₹18,000 per year (₹12,000 on online + ₹6,000 on offline spends)
Convert eligible transactions into 3-month EMI at special interest rate of 0.99% per month with nil processing fee
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeThe annual fee is waived off if you spend more than ₹1.2 lakh in a year.
₹589
₹499 + GST
Eligibility
Age
21-65 years
Salary
₹33.3K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% 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ATM Withdrawal3% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹300.
3%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeA 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 Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of ₹100 is charged for payments made by cheque.
₹100
Cash PaymentA fee of ₹299 is charged for payments made by depositing cash at a bank branch or ATM.
₹299
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹700
Above ₹10000
₹1200
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 above.
Reward Exclusions
FuelInsurance
Terms & Conditions
...rewards
Welcome benefit is applicable only on spends within 30 days of card issuance
