6 Travel Credits ₹200 on travel and 2 ₹200 on other spends
8 domestic + 6 international airport lounge visits with complimentary Priority Pass ($99)
milestone bonuses 20,000 credits at ₹12 lakh, +1 domestic lounge visit per ₹1 lakh, annual fee reversal at ₹15 lakh
Fees
Joining Fee5,000 Travel Credits on spends of ₹1 lakh within 60 days of card issuance
₹5,899
₹4,999 + GST
Annual FeeThe annual fee is waived if you spend ₹15 lakh or more in a year on your card, as per bank policy
₹5,899
₹4,999 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup1.99% 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 (1.99%): ₹100 → ₹1.99 ₹1,000 → ₹19.90 ₹10,000 → ₹199 ₹1,00,000 → ₹1,990
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward Redemption₹99 redemption fee per redemption
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199
Cheque PaymentA fee of 2% of the payment amount minimum ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentA fee of ₹250 is levied when the outstanding is paid in cash over the counter
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1,000
₹400
₹1,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1100
Above ₹50,000
₹1300
An additional ₹100 applies if the Minimum Amount Due is not paid for two consecutive billing cycles
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
