Earn 2 Miles per ₹100 on other domestic and cross-border spends
Monthly bonus: 500 Miles on 4 transactions totaling ₹5000 (once per month)
Quarterly bonus: 4000 Miles on ₹3,00,000 quarterly spends (once per quarter)
Annual bonus: 24,000 Miles on ₹12,00,000 yearly spends (valid once per year)
Fees
Joining FeeEarn 5,000 + 5,000 extra Etihad Guest Bonus Miles on spending ₹25,000 in first 60 days and paying joining fee, Complimentary Silver Tier Status on first transaction Upgrade to Gold Tier after first transaction on Etihad.com within 6 months
₹5,900
₹5,000 + GST
Annual FeeThe annual fee is waived if you spend ₹5 lakh or more in a year on your card, as per bank policy.
₹5,900
₹5,000 + GST
Eligibility
Age
21-60 years
Salary
₹1.5L / Month
Credit Score
720+
Bank Fee Structure
Forex MarkupThis card charges zero forex markup on international transactions on the Visa variant. All foreign currency transactions are processed at the standard Visa exchange rate with no additional conversion fee
0%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)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 RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% GST applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of ₹100 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹100
Cash Payment₹250 cash payment fee per deposit
₹250
Late Payment Charges
Amount due
Fee
₹0 – ₹100
₹0
₹100 – ₹500
₹100
₹501 to ₹1000
₹400
₹1001 to ₹10000
₹750
₹10001 to ₹25000
₹950
₹25001 to ₹50000
₹1100
More than ₹50000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Etihad Guest Miles earned are credited to the cardholder’s Etihad Guest account and are redeemable as per Etihad Guest programme rules. Redemption value may vary and miles cannot be exchanged for cash. Standard card terms apply.
