Earn 2% back on travel, dining & international spends with 1 reward point = ₹1 - among the best point values in the market with no conversion hassle
Get 16 domestic and 16 international complimentary airport lounge visits per year plus 4 VIP Meet & Assist services annually
Enjoy up to 16 buy-1-get-1 movie tickets on BookMyShow per year (capped at ₹500/ticket) plus 8 complimentary golf sessions
Fees
Joining FeeBrand voucher worth ₹5,000 or 5,000 reward points on card issuance.
₹5,899
₹4,999 + GST
Annual FeeThe annual fee is waived if you spend ₹800000 or more in a year on your card, as per bank policy.
₹5,899
₹4,999 + GST
Eligibility
Age
21-60 years
Salary
₹2.5L / Month
Credit Score
720+
Bank Fee Structure
Forex Markup0.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
0.99%
Finance Charges (APR)1.99% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.
1.99%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
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 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal.
2%
Cash PaymentNot Applicable
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹5,000
₹600
₹5,001 - ₹10,000
₹700
₹10,001 - ₹20,000
₹800
₹20,001 - ₹50,000
₹1,100
Above ₹50,000
₹1,300
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.
