All Credit Cards | BankKaro

Best For

Shopping

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 ₹50000 thousand or more in a year on your card, as per bank policy.

Age Criteria

21-60 years

Salary Criteria

2.40 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

Earn 2 Reward Points for every ₹150 spent on online shopping and 1 Reward Point per ₹150 on all other retail spends. Each Reward Point is valued at ₹0.20, offering modest rewards primarily suited for online shoppers
Earn 500 cash points on payment of the ₹500 joining fee, with a value of ₹100, slightly offsetting the initial cost
The annual fee of ₹500 is waived if you spend over ₹50,000 in the preceding year, making the card effectively free with moderate spending
Earn ₹500 vouchers quarterly on spending ₹50,000 each quarter, allowing you to earn up to ₹2,000 in vouchers annually, enhancing savings on consistent spending
1% fuel surcharge waiver on fuel transactions, with a cap of ₹250 per statement cycle, offering minor savings for those with regular fuel expenses
Points can be redeemed against statement credit, making it easy to utilize earned rewards without complex redemption processes

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. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	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ATM Withdrawl 3.5% of the withdrawn amount is charged on cash advances using the credit card	3.5%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