All Credit Cards | BankKaro

Best For

Online Food Ordering

Dining

Grocery Shopping

Travel

Joining/Annual Fees

Joining Fees

₹0 ( ₹0 + GST )

No Joining Fee Offset

Annual Fees

₹1,179 ( ₹999 + GST )

The annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.

Eligibility

Age Criteria

21-65 years

Salary Criteria

6 LPA

Credit Rating*

720+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

N/A

Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement

To check redemption catalogue

N/A

All Card Benefits

All Benefits

1.5% unlimited cashback on all other spends
Cashback applicable on Instant EMI transactions at select merchants
Cashback credited within 45 days from statement date
10% cashback on dining, food delivery, and grocery spends
Cashback capped at ₹1,000 per billing cycle
Zero liability cover up to ₹3,00,000 on lost card misuse
Coverage valid for transactions up to 24 hours prior to reporting loss

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel

Insurance

For Spends Waiver

Fuel

Insurance

Bank Fee Structure

Structure	Details
Forex Markups 3.5% 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 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.50%
APR Fees 3.49% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 42%	3.49%
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).	2.50%
Reward Redemption Fees No fee is charged when redeeming reward points on this card.	Not Applicable
Link for all T&Cs	Click Here
Railway Surcharge Surcharge 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 Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges	1%
Cheque Payment Fees No cheque payment fee is charged	₹0
Cash Payment Fees	₹100

Late Payment Fees Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date.	Amount Due
₹0 - ₹100	₹0
₹101 - ₹500	₹100
₹501 - ₹5000	₹500
₹5001-₹10000	₹700
₹10001-₹25000	₹800
₹25001 and above	₹1200

HSBC Cashback Credit Card

All Card USPs