4.1 from 441 Users
Enjoy 1 Complimentary Domestic Airport Lounge
visit every calendar quarter 4 visits annually
Earn 5X reward points on Dining
transactions when you select Dining as one of your 2 chosen 5X categories
Shopping
Dining
Travel
Joining Fees
₹1,180 ( ₹1000 + GST )
Choice of 2 complimentary memberships from Amazon Prime, Jio Hotstar, Sony LIV, Zee5 or Discovery+. Memberships are activated on Joining Fee payment or on achievement of Rs. 60,000 spends in first 3 months
Annual Fees
₹1,180 ( ₹1000 + GST )
Annual fee waived on spending ₹2.40 lakhs in the preceding card anniversary year
Age Criteria
21-60 years
Salary Criteria
3 LPA
Credit Rating*
720+
See if you are eligible for this card
Rewards Conversion Rate
1 Reward Point = ₹0.35
Redemption Options
To check redemption catalogue
All Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent
Wallet Load
EMI
Fuel
Cash Advance
Government Spends
Education
GST / Taxes
For Spends Waiver
Rent
Wallet Load
EMI
Fuel
Cash Advance
Government Spends
Education
GST / Taxes
| 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 | 3.5% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹250, if applicable | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption | ₹99 |
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 | 2% |
Cash Payment Fees No fee is charged for credit card bill payment through Cash Deposit mode | Not Applicable |
| Late Payment Fees An additional ₹100 applies if the Minimum Amount Due is missed for two consecutive cycles, and continues every cycle until the MAD is cleared | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1,000 | ₹500 |
| ₹1,001 - ₹5,000 | ₹600 |
| ₹5,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹900 |
| ₹25,001 - ₹50,000 | ₹1,000 |
| Above ₹50,000 | ₹1,200 |
TOP USPs
Enjoy 1 Complimentary Domestic Airport Lounge
visit every calendar quarter 4 visits annually
Earn 5X reward points on Dining
transactions when you select Dining as one of your 2 chosen 5X categories
Apply Now