5X Reward Points on Myntra, Nykaa, Reliance Digital & select merchants (capped at 5,000 RP per month)
Reward Points capped at 50,000 per statement cycle
Reward Points redemption value: Flights/Hotels ₹0.5 per RP, Catalogue ₹0.65 per RP, Cashback ₹0.20 per RP
Quarterly milestone: ₹1,500 voucher on spends of ₹1.5 lakh per quarter
Fees
Joining FeeThe ₹2,500 + applicable taxes joining fee is effectively offset through a ₹2,500 welcome voucher, redeemable across select partner brands. Additionally, the card may be offered as First Year Free (FYF) during select bank promotions, in which case the joining fee is fully waived at issuance.
₹2,950
₹2,500 + GST
Annual FeeThe annual fee is waived if you spend ₹4 lakh or more in a year on your card, as per bank policy.
₹2,950
₹2,500 + GST
Eligibility
Age
21-60 years
Salary
₹1.5L / 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)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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 Surcharge1% of the transaction amount + GST will be charged on railway ticket purchase
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 PaymentNo cheque payment fee is charged
Not Applicable
Cash Payment₹100 cash payment fee per deposit.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹500
₹1001 - ₹5000
₹600
₹5001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹900
₹25,001 - ₹50,000
₹1100
₹50,000 and above
₹1300
Reward Exclusions
Fuel TransactionsRent PaymentsWallet LoadsCash WithdrawalsEMI TransactionsGovernment and Statutory PaymentsEducation PaymentsInsurance Premium PaymentsUtility Bill PaymentsRailway Ticket BookingsGift Card or Voucher PurchasesGambling or Lottery TransactionsCryptocurrency or Digital Asset Transactions
Terms & Conditions
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
