10X reward points on eligible spends that never expire (1 point = ₹0.25)
33% bonus reward points on hotel bookings and 13% on flights via FIRST Rewards Gallery
1 complimentary airport lounge visit per quarter + 4 railway lounge visits per quarter
Fees
Joining Fee₹500 gift voucher from a partner brand on card issuance.
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹1L / Month
Credit Score
750+
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.
1.99%
Finance Charges (APR)3.85% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.
3.85%
ATM WithdrawalA flat fee of ₹199 plus applicable GST is charged per cash withdrawal using the credit card.
₹199
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeSurcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.
As prescribed by IRCTC / Indian Railways
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentNot Applicable
Not Applicable
Cash PaymentNot Applicable
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0 - ₹100
₹500
₹500
₹5000
₹5000
₹8000
₹8000
₹10,000
₹10,000
₹10,000 & above
₹10,000 & above
Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above.
