All Benefits
- Get 10,000 reward points on spending ₹4L or more in a calendar quarter
- Up to 50 days of interest-free credit from date of purchase
- Contactless payments enabled for ease and security
- Up to 40% flat off on Dineout via Swiggy One
Fees
Joining Fee
Complimentary Club Marriott, Amazon Prime, and Swiggy One annual memberships on spending ₹1.5L within 90 days of card issuance
₹11,800
₹10,000 + GST
Annual Fee
The annual fee is waived if you spend ₹8 lakh or more in a year on your card, as per bank policy.
₹11,800
₹10,000 + GST
Eligibility
Age
21-60 years
Salary
₹2.5L / Month
Credit Score
750+
Bank Fee Structure
Forex Markup
2% 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 (2%): ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
Finance Charges (APR)
3.60% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 43.20%
3.60%
ATM Withdrawal
2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption
No fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge
Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.
As prescribed by IRCTC / Indian Railways
Rent Payment
1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment
A fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment
A ₹100 fee may be levied for card-related services including cash processing; charges are subject to bank policy and total amount due must still be paid in full
₹100
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 – ₹100 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹600 |
| ₹10,001 – ₹25,000 | ₹800 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
An additional Late Payment Charge of ₹100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared
Reward Exclusions
Terms & Conditions
- The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
- A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards.
Full charges and terms: Bank MITC / Terms