Earn 5X Reward Points on dining and grocery spends for maximum rewards
Enjoy complimentary movie tickets with discounts of up to ₹500 per transaction through BookMyShow, with total savings worth ₹6,000 annually
Receive a premium brand e-Gift voucher worth ₹5,000 upon joining
Avail 6 complimentary visits to domestic airport lounges per year maximum 2 visits per quarter
Fees
Joining FeeWelcome voucher of ₹5000 on card activation
₹5,899
₹4,999 + GST
Annual FeeThe annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy.
₹5,899
₹4,999 + GST
Eligibility
Age
21-60 years
Salary
₹1L / Month
Credit Score
720+
Bank Fee Structure
Forex Markup1.99% Forex Markup is charged on all transactions made in currencies other than INR. This applies when you shop on international websites or swipe your card abroad at physical stores.
1.99%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
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 PaymentA surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199 + GST
Cheque Payment₹200 will be charged for all payments done via Check
₹200
Cash Payment₹250 + taxes will be charged for all payments done via Cash
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1000
₹400
₹1001 - ₹10000
₹ 750
₹10000 - ₹25000
₹ 950
₹25001- ₹ 50000
₹ 1100
₹50000 and above
₹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.
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
