Earn 4 reward points per ₹150 spent on all retail transaction categories, with no cap on base reward points
an additional 4 bonus reward points per ₹150 once retail spends cross ₹20,000 in a statement cycle, with bonus points capped at 2,000 per statement cycle up to 8 reward points per ₹150 in total on spends above that threshold
Government payments and insurance payments earn 1 reward point per ₹150
1 complimentary domestic airport lounge visit per calendar quarter (4 a year) through the Mastercard Domestic Lounge program
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeThe annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy
₹1,180
₹1,000 + GST
Eligibility
Age
18-65 years
Salary
₹25K / 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 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
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ATM Withdrawal3.00% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable
3%
Reward Redemption₹99 redemption fee per redemption
₹99
Railway SurchargeA surcharge of 2.50% is applied to transactions made for booking railway tickets
2.5%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹500
Cash PaymentA fee of ₹299 is levied for making payment of credit card bills by depositing cash at a bank branch
₹299
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹5,000
₹500
₹5,001 - ₹10,000
₹700
Above ₹10,000
₹1200
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
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
