3.9 from 399 Users
Enjoy Unlimited Complimentary Access to 60+ Domestic Airport Lounges
also earn 5X Rewards (15 Reward Points per ₹100) on Travel & International spends, with a reduced 2% forex markup on international purchases
Get Buy One Get One offer on movie tickets via District
up to ₹250 per month, Earn 5X Rewards 15 Reward Points per ₹100 on online shopping spends
Shopping
Dining
Travel
Joining Fees
₹2,949 ( ₹2499 + GST )
10,000 bonus reward points on spending ₹50,000 within the first 60 days. FITPASS membership as a welcome perk valued at ₹15,000
Annual Fees
₹2,949 ( ₹2499 + GST )
Annual fee waived on spending ₹2.50 lakhs in the preceding card anniversary year
Age Criteria
25-55 years
Salary Criteria
12 LPA
Credit Rating*
720+
See if you are eligible for this card
Rewards Conversion Rate
1 Reward Points = ₹0.50
Redemption Options
To check redemption catalogue
All Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
EMI Transactions
Wallet Load
Rent
Government Spends
Cash Advances
ATM Withdrawals
Jewellery
For Spends Waiver
Fuel
EMI Transactions
Wallet Load
Rent
Government Spends
Cash Advances
ATM Withdrawals
Jewellery
| Structure | Details |
|---|---|
Forex Markups   2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 2% |
APR Fees Finance charges of 3.25% per month (39% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.25% |
ATM Withdrawl 2.50% of the withdrawn amount is charged on cash advances using the credit card, minimum ₹500, if applicable | 2.50% |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 A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
Cheque Payment Fees A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal (subject to a minimum of ₹500) | 2% |
Cash Payment Fees A fee of ₹250 is levied for every cash payment made at Bank of Baroda branches | ₹250 |
| Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹400 |
| ₹1001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹950 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
TOP USPs
Enjoy Unlimited Complimentary Access to 60+ Domestic Airport Lounges
also earn 5X Rewards (15 Reward Points per ₹100) on Travel & International spends, with a reduced 2% forex markup on international purchases
Get Buy One Get One offer on movie tickets via District
up to ₹250 per month, Earn 5X Rewards 15 Reward Points per ₹100 on online shopping spends
Apply Now