3 from 432 Users
Welcome Vouchers Worth Over ₹5,000
from Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip and more
Get Discount of 25% up to ₹150 off
on movie tickets each on BookMyShow and INOX, twice a month
Earn up to 4 Reward Points Per ₹100 Spent
on international spends, 2 RP/₹100 on domestic spends, and 1 RP/₹100 on utility & insurance spends
Shopping
Dining
Travel
Utility Bills
Joining Fees
₹3,540 ( ₹3000 + GST )
N/A
Annual Fees
₹2,360 ( ₹2000 + GST )
Annual Fee is waived after spending 300000
Age Criteria
21-60 years
Salary Criteria
75000 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 Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel
EMI
Wallet Load
Rent & Property
Government Payments
Education Payments
Credit Balance Refund
Bank Charges & Fees
Reversal Transactions
Cancelled Transactions
Cash Advances
Dynamic Currency Conversion
Interest Charges
Payment of Card Fees
Insurance Premium
For Spends Waiver
Rent payment
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government related transactions
Wallet transactions
Load money
Fees
GST charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
| 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. | 3.50% |
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 57%
| 3.75% |
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
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 No cheque payment fee is charged | N/A |
Cash Payment Fees ₹150 cash payment fee per deposit | ₹150 |
| Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared | Amount Due |
|---|---|
| ₹0 - ₹500 | 0 |
| ₹501 - ₹1000 | ₹100 |
| ₹1001 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹600 |
| ₹10001 - ₹25000 | ₹750 |
| ₹25001 - ₹50000 | ₹900 |
| ₹50000 and above | ₹1100 |
TOP USPs
Welcome Vouchers Worth Over ₹5,000
from Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip and more
Get Discount of 25% up to ₹150 off
on movie tickets each on BookMyShow and INOX, twice a month
Apply Now