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Earn 2X Reward Points on every ₹150 spent online
capped at 500 reward points per statement cycle (1 reward point = up to ₹0.25)
Get up to 10% Cashback on Flights, Hotels, and Gift Vouchers
via SmartBuy portal
Get 500 Reward Points on Card Activation
applicable after payment of joining membership fee
Shopping
Dining
Travel
Joining Fees
₹413 ( ₹350 + GST )
The joining fee is not offset by any bonus or credit.
Annual Fees
₹531 ( ₹450 + GST )
The annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
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 = ₹0.25
Redemption Options
To check redemption catalogue
All Card Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Insurance
For Spends Waiver
Fuel
Insurance
| 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ATM Withdrawl 3.5% of the withdrawn amount is charged on cash advances using the credit card | 3.5% |
Reward Redemption Fees ₹150+ GST per transaction applies for partner transfers/conversions | ₹150 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases. | 1% |
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 ₹150 Cheque payment fee per deposit. | ₹50 |
Cash Payment Fees ₹100 cash payment fee per deposit. | ₹100 |
| 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–₹1,000 | ₹350 |
| ₹1,001–₹10,000 | ₹550 |
| ₹10,001–₹50,000 | ₹1100 |
| above ₹50,000 | ₹1300 |
TOP USPs
Earn 2X Reward Points on every ₹150 spent online
capped at 500 reward points per statement cycle (1 reward point = up to ₹0.25)
Get up to 10% Cashback on Flights, Hotels, and Gift Vouchers
via SmartBuy portal
Apply Now