All Credit Cards | BankKaro

Best For

Dining

Joining Fees

₹589 ( ₹499 + GST )

₹2000 Reward points worth ₹500 on card activation

Annual Fees

₹589 ( ₹499 + GST )

The annual fee is waived if you spend ₹120000 or more in a year on your card, as per bank policy

Age Criteria

18-65 years

Salary Criteria

4 LPA

Credit Rating*

720+

See if you are eligible for this card

Rewards Conversion Rate

1 reward point = ₹0.25

Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.

To check redemption catalogue

N/A

2% cashback on online transactions up to INR 1,000 per statement cycle
1% cashback on offline transactions up to INR 500 per statement cycle
Maximum total cashback of INR 1,500 per statement cycle (consolidated at customer level including primary and supplementary cards)
No minimum transaction value or minimum spend requirement • Fuel and cash withdrawal transactions not eligible for cashback
Cashback redeemable via 360° Rewards portal with minimum redemption of INR 2,500 and thereafter in multiples of INR 1,000
No redemption fee applicable • Special 0.99% per month interest rate on 3-month EMI with NIL processing fee on eligible transactions
Extended interest-free credit period for first 90 days post card issuance by paying Minimum Amount Due for first three statements and Total Amount Due on fourth statement

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 2% 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 (2%): ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000	2%
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 43.2%	3.75%
ATM Withdrawl 3% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹300, if applicable).	3%
Reward Redemption Fees No fee is charged when redeeming reward points on this card.	Not Applicable
Link for all T&Cs	Click Here
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.	As prescribed by IRCTC / Indian Railways
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 A fee of ₹100 is charged for payments made through cheque	₹100
Cash Payment Fees	₹299

Late Payment Fees Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date.	Amount Due
₹0 - ₹100	₹0
₹101 - ₹500	₹100
₹501 - ₹5000	₹500
₹5001-₹10000	₹700
₹10001-₹25000	₹800
₹25001 and above	₹1200