Up to 10X reward points on SmartBuy travel and shopping
Reward redemption: ₹1 per point for flights, hotels, Apple & Tanishq via SmartBuy
Monthly cap: 1.5 lakh points for flights/hotels/airmiles; 50,000 points for cashback
Maximum redemption limit: 2 lakh points per statement cycle
Fees
Joining FeeEarn 12,500 Reward Points on card activation
₹14,750
₹12,500 + GST
Annual FeeThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
₹14,750
₹12,500 + GST
Eligibility
Age
21-60 years
Salary
₹5L / Month
Credit Score
750+
Bank Fee Structure
Forex Markup2% 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)3.6% monthly fee. Credit cards allow you for an interest-free payment period of 20-55 days. However, if you fail to make payment for your statement in due time, then the bank starts charging interest. A simple way to avoid heavy interest rates over a long time is to convert your large spends into EMIs. Normally, the bank charges 16% p.a interest on EMIs; however, if you fail to pay in time, then annual interest can reach up to 43.2%
3.60%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
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.₹10 is charged per transaction for bookings via IRCTC
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 ₹100 is charged for payments made through cheque
₹100
Cash PaymentA fee of ₹100 is charged for each check payment.correcta nd shoudl be ready to copy paste
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
0
₹101 - ₹500
₹100
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹600
₹10001 - ₹25000
₹800
₹25001 - ₹50000
₹1100
Above ₹50000
₹1300
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
Fuel SpendsEMI SpendsWallet LoadsJewellery PurchasesCash AdvancesPayment of outstanding balances
Terms & Conditions
The bank may offer a different card variant based on your eligibility
A minimum transaction of ₹100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
