Welcome Benefits
- SpiceClub Gold membership on card issuance
- SpiceJet add-on vouchers worth ₹7,500 on card issuance
- ₹4,000 SpiceJet flight voucher on completing 2 transactions within 30 days of card issuance
Fees
Joining Fee
₹4,000 SpiceJet flight voucher on completing 2 transactions within 30 days of issuance.
₹2,360
₹2,000 + GST
Annual Fee
Renewal fee ₹2,000 + GST applies each year; you get 2,000 SC Points on renewal.
₹2,360
₹2,000 + GST
Eligibility
Age
18-70 years
Salary
₹25K / Month
Credit Score
750+
Bank Fee Structure
Forex Markup
3.50% 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 (3.50%): ₹100 → ₹3.50 ₹1,000 → ₹35.00 ₹10,000 → ₹350.00 ₹1,00,000 → ₹3,500.00
3.50%
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 Withdrawal
2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500
2.50%
Reward Redemption
No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge
A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals
1.80%
Rent Payment
1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST
1%
Cheque Payment
2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal, subject to a minimum of ₹500
₹500
Cash Payment
A fee of ₹175 is charged for payments made by depositing cash at a bank branch. Daily limit for cash payment is ₹50,000
₹175
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0–₹500 | ₹0 |
| ₹501–₹5,000 | ₹500 |
| ₹5,001–₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
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. Additional ₹100 on missing payment of MAD for two consecutive cycles
Reward Exclusions
Terms & Conditions
- The bank may issue a different card variant based on your eligibility; your application is subject to KYC, credit checks, and approval. Fees, charges, interest rates, limits, and program rules may change—please review the (MITC) before applying. By using the card, you agree to the bank’s terms and RBI guidelines; missed payments may incur fees and be reported to credit bureaus.
Full charges and terms: Bank MITC / Terms