Up to 10% off up to ₹3,000 on flights & hotels and 10% off up to ₹300 on bus bookings via ixigo, plus zero payment-gateway charges on train bookings
2.5% Reward Points on every ₹200 spent (online, offline & UPI cap 10,000 RP cycle
8 domestic airport + 8 railway lounge visits a year and 1 international lounge visit via Priority Pass. Zero forex markup on international spends
Quarterly milestone 5,000 bonus RP on ₹75,000 spends
Fees
Joining Fee1,000 Reward Points + 1,000 ixigo Money vouchers on the first successful transaction within 30 days of card issuance ixigo Money added within 15 days, valid 90 days
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 no mark-up 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 3.75% 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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable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 Redemption₹99 + GST redemption fee per redemption is levied on each successful reward-point redemption on this card
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge of 1% of the rental transaction value, subject to a minimum of ₹99 per transaction
1%
Cheque PaymentA fee of 2% of the Total Amount Due or ₹500 whichever is higher is levied for cheque return, cheque dishonour, ECS/NACH or auto-debit reversal
2%
Cash PaymentNo fee is charged for credit card bill payment through the cash-deposit mode
0
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1,000
₹500
₹1,001 - ₹5000
₹600
₹5001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹900
₹25,001 - ₹50,000
₹1100
₹50,001 and above
₹1300
A late-payment fee of 15% of the Total Amount Due is charged when the minimum amount due is not paid by the payment due date, subject to a minimum of ₹10 and a maximum of ₹1,300
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 ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
