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Joining/Annual Fees

Joining Fees

₹0 ( ₹0 + GST )

N/A

Annual Fees

₹0 ( ₹0 + GST )

N/A

Eligibility

Age Criteria

21-65 years

Salary Criteria

2.4 LPA

Credit Rating*

725+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹1

Redemption Options

This is a cashback card; cashback is adjusted against your monthly statement.

To check redemption catalogue

N/A

All Card Benefits

All Benefits

Amazon Prime members earn 5% reward points on purchases made on Amazon.in
Non-Prime members earn 3% reward points on purchases made on Amazon.in
Earn 5% (Prime) / 3% (Non-Prime) Reward Points on Flight and Hotel Bookings made on Amazon.in
Earn 2% Reward Points on Amazon Pay partner category spends (login & pay with Amazon and eligible digital categories)
Earn 1% Reward Points on all other eligible spends outside Amazon.in
Reward Points are non-expiring and are redeemed seamlessly as Amazon Pay Balance
Higher reward rates apply automatically based on Amazon Prime Membership status
Avail a 1% fuel surcharge waiver on all fuel purchases

Bank Exclusions

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

For Points / Cashback Earnings

Physical and Digital Gold

EMI Transactions

Purchases converted to EMI post-facto

Rent Payments

Tax Payments

Education Payments

Amazon Business Transactions

Amazon.in/Business Purchases

Fuel Spends

Utilities

International Spends

International Transactions

For Spends Waiver

Physical and Digital Gold

EMI Transactions

Purchases converted to EMI post-facto

Rent Payments

Tax Payments

Education Payments

Amazon Business Transactions

Amazon.in/Business Purchases

Fuel Spends

Utilities

International Spends

International Transactions

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 The Annual Percentage Rate (APR) on purchases, cash advances, and outstanding balances is 3.75% per month, which is equivalent to 45% per annum Interest is charged from the transaction date if the Total Amount Due is not paid by the payment due date In case of default, the interest rate may increase up to 3.8% per month (45% p.a.), as per bank discretion	3.75%
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500)	2.5%
Reward Redemption Fees	N/A
Link for all T&Cs	Click Here
Railway Surcharge	N/A
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 ₹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
≤ ₹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	₹1,100
> ₹50,000	₹1,300