Earn 8 Reward Points per ₹100 on online spends, 4 Reward Points per ₹100 on offline spends, 12 Reward Points per ₹100 on international spends, and 1 Reward Point per ₹100 on Utility & Telecom and Insurance spends
Get an additional 500 Reward Points on retail spends of ₹5,000 done between the 1st and 5th of every calendar month
milestone benefit of 5,000 Reward Points on minimum retail spends of ₹2.5 lakh in a card anniversary year, redeemable as vouchers from top brands
Enjoy 2 complimentary domestic airport lounge visits per quarter and 8 complimentary railway lounge visits a year
lifetime free add-on cards, and curated offers on MakeMyTrip, Times Prime and Alaya Stays
Fees
Joining FeeComplimentary annual Times Prime Membership
₹884
₹749 + GST
Annual FeeThe annual fee is waived if you spend ₹2lakh or more in a year on your card, as per bank policy
₹884
₹749 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.49% 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 (3.49%): ₹100 → ₹3.49 ₹1,000 → ₹34.90 ₹10,000 → ₹349 ₹1,00,000 → ₹3,490
3.49%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable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
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% of the transaction value, subject to a minimum of ₹99, applies on rental transactions
1%
Cheque PaymentA fee of 2% of the payment amount, subject to a minimum of ₹500, is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentNo fee is charged for credit card bill payment made through the cash deposit mode
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1,000
₹400
₹1,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1100
Above ₹50,000
₹1300
Late payment charges of 15% of the Total Amount Due (minimum ₹10, maximum ₹1,300) are levied if the Minimum Amount Due is not paid by the payment due date
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
