Best Credit Card

All Benefits

  • Earn 3% cashback on UPI QR transactions via super.money app (capped at total cashback earned from all other UPI & non-UPI spends in the same statement cycle; minimum cap of ₹100)
  • Earn 1% cashback on all other eligible UPI and non-UPI spends

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

Age
21-70 years
Salary
₹50K / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 3.5% 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 (55.55% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.75%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption No fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge Surcharge 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 Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment No cheque payment fee is charged
Not Applicable
Cash Payment ₹175 cash payment fee per deposit.
₹175

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹5000₹500
₹5001 - ₹10000₹750
₹10000 and above₹1200

Late Payment Fee is based on the total amount due: Nil (<₹500), ₹500 (₹501–₹5,000), ₹750 (₹5,001–₹10,000), ₹1,200 (>₹10,000).

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared.

Reward Exclusions

Utility BillsFuel SpendsCash WithdrawalWallet LoadInsurance ServicesEducation ServicesGovernment ServicesFinancial InstitutionsRental PaymentsEMI TransactionsTelecomJewelry

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

Full charges and terms: Bank MITC / Terms