All Credit Cards | BankKaro

Best For

Shopping

Online Food Ordering

Travel

Utility Bills

Joining/Annual Fees

Joining Fees

₹1,179 ( ₹999 + GST )

Get ₹499 gift card on 1st UPI txn + ₹50 ×10 scratch cards on next spends (₹100+ each)

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

21-60 years

Salary Criteria

3 LPA

Credit Rating*

720+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

1 RP = 0.30

Redemption Options

SmartBuy
Flights/Hotels
Product Catalogue

To check redemption catalogue

All Card Benefits

All Benefits

10% Reward Points on PhonePe categories such as recharges, bill payments, flights, hotels, bus and train bookings, capped at 1000 Reward Points per calendar month
5% Reward Points on select online brands such as Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy and Zomato, capped at 500 Reward Points per calendar month
1% Reward Points on all Scan & Pay RuPay credit card on UPI spends, capped at 500 Reward Points per calendar month
Earn up to 2000 Reward Points per month

Bank Exclusions

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

For Points / Cashback Earnings

Fuel

Insurance

Investment

Jewellery

Cash Advances

Rental Payments

EMI Spends

Wallet Load

Govt. Spends

Education Fees

Gift Card

Credit Card Bill Payment

For Spends Waiver

Fuel

Insurance

Investment

Jewellery

Cash Advances

Rental Payments

EMI Spends

Wallet Load

Govt. Spends

Education Fees

Gift Card

Credit Card Bill Payment

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	3.5%
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ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)	2.5%
Reward Redemption Fees ₹99 per redemption request is applicable	₹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 ₹50 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal	₹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 - ₹1000	₹500
₹1001 - ₹5000	₹600
₹5001 - ₹10000	₹750
₹10001 - ₹25000	₹900
₹25001 - ₹50000	₹1100
Above ₹50000	₹1300