All Benefits
- Accelerated reward points on online shopping
- Buy 1 Get 1 on movie tickets and mall Accelerated reward points on online shopping
- Complimentary Domestic lounge access
Fees
Joining Fee
First-year membership fee of ₹599 is waived on total retail spends of ₹10,000 within 30 days of card setup
₹707
₹599 + GST
Annual Fee
The annual fee is waived if you spend ₹1 lakh or more in a year on your card, as per bank policy
₹707
₹599 + GST
Eligibility
Age
21-60 years
Salary
₹50K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup
3.50% 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
3.5%
Finance Charges (APR)
Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.99%
ATM Withdrawal
2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.5%
Reward Redemption
₹100 redemption fee per redemption
₹100
Railway Surcharge
A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment
A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199
Cheque Payment
A fee of ₹450 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹450
Cash Payment
₹500 cash payment fee per deposit
₹500
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹100 - ₹500 | ₹150 |
| ₹500 - ₹5000 | ₹500 |
| ₹5000 - ₹20,000 | ₹750 |
| ₹20,000 and above | ₹1000 |
Additionally, a charge of ₹100 will be levied if the Minimum Amount Due (MAD) remains unpaid for two consecutive billing cycles. This ₹100 charge will continue for every cycle until the MAD is cleared.
Reward Exclusions
Terms & Conditions
- 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
Full charges and terms: Bank MITC / Terms