Monthly bonus: 250 Miles on 4 transactions totaling ₹25,000 (once/month)
Quarterly bonus: 2,000 Miles on ₹2 Lakhs spend (once/quarter)
Annual bonus: 12,000 Miles on ₹7.5 Lakhs spend (once/year)
Travel goal bonus: 500 Miles for flying twice a year with Etihad
Fees
Joining FeeNo Joining Fee Offset
₹2,950
₹2,500 + GST
Annual FeeThe annual fee is waived if you spend ₹3 lakh or more in a year on your card, as per bank policy.
₹2,950
₹2,500 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup1% 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%): ₹100 → ₹1 ₹1,000 → ₹10 ₹10,000 → ₹100 ₹1,00,000 → ₹1,000
1%
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 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
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 Payment₹250 cash payment fee per deposit
₹250
Late Payment Charges
Amount due
Fee
₹0 –₹100
0
₹100 – ₹500
₹100
₹501 to ₹1000
₹400
₹1001 to ₹10000
₹750
₹10001 to ₹25000
₹950
₹25001 to ₹50000
₹1100
More than ₹50000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Etihad Guest Miles earned are credited to the cardholder’s Etihad Guest account and are redeemable as per Etihad Guest programme rules. Redemption value may vary and miles cannot be exchanged for cash. Standard card terms apply.
