Get a 10% instant discount at Blinkit with no minimum spend, for 5 transactions a calendar month up to a monthly discount maximum of ₹1,000, using the code DIGISMART
Get a 10% instant discount on Zomato with no minimum spend, for 5 transactions a calendar month up to ₹150 per transaction, using the E-Coupon DIGISMART
Get Buy 1 Get 1 free on movie tickets at INOX for shows on Saturdays and Sundays, for 2 transactions a calendar month up to ₹200 per transaction
Get 20% off domestic flights up to ₹750, 10% off international flights up to ₹10,000 on a minimum transaction of ₹20,000, and 25% off domestic hotel bookings up to ₹4,000 at Yatra, one transaction per quarter per category, using the promo code DIGISMART
Get 15% cashback on Ola cab rides up to ₹600 a calendar month, excluding bike, auto and share rides and Ola Wallet loads
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-65 years
Salary
₹50K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% 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 (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
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ATM Withdrawal3.00% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable
3%
Reward RedemptionThis is a Cashback card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹500
Cash PaymentA fee of ₹299 is levied for making payment of credit card bills by depositing cash at a bank branch
₹299
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹5,000
₹500
₹5,001 - ₹10,000
₹700
Above ₹10,000
₹1200
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
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
