Lifetime Free card (zero joining and zero annual charges)
Assured 1% value back as Uni Coins on every eligible spend and up to 5% value back as Uni Coins on eligible online and offline transactions
0% forex markup on international spends
Uni Coins that do not expire while the card is active
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup0% 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%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable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 up to 1.25% of the rental transaction amount, or a minimum of ₹100
1.25%
Cheque PaymentA fee of ₹350 per instance is levied for cheque return, cheque dishonour, or auto-debit reversal
₹350
Cash PaymentNo cash payment facility
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹400
₹1001 - ₹10000
₹750
₹10001 - ₹25000
₹950
₹25001 - ₹50000
₹1100
Above ₹50000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
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 Rs.100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
