Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations, capped at ₹2,000 Fuel Points per month
Earn 2 Fuel Points per ₹100 spent on all other card purchases
Redeem Fuel Points at IndianOil outlets
Enjoy a 1% fuel surcharge waiver up to ₹200 per month
Get 3,000 Fuel Points on making your first card transaction of ₹500 or more within 30 days of card issuance
Fees
Joining FeePay ₹1,500 joining fee → get ₹1,500 back as Fuel Points (on ₹500 spend in 30 days).
₹1,770
₹1,500 + GST
Annual FeeThe annual fee is waived if you spend ₹2.75 lakh or more in a year on your card, as per bank policy.
₹1,770
₹1,500 + GST
Eligibility
Age
21-70 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% 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
3.50%
Finance Charges (APR)Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.99%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeA 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 Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentNo cheque payment fee is charged
Not Applicable
Cash Payment₹100 cash payment fee per deposit.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹40
₹5
₹41 - ₹100
₹10
₹101 - ₹500
₹100
₹501 - ₹5,000
₹500
₹5,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1,100
₹50,000 and above
₹1,300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
All ReversalsCancelled TransactionsCash AdvancesATM Cash WithdrawalsQuasi-Cash TransactionsMoney TransfersP2P TransfersWallet LoadsLoad MoneyGift Cards and VouchersVoucher PurchasesEMI SpendsBank Charges & FeesLate Payment FeesProcessing FeesFinancial ChargesInterest ChargesPayment Returned ChargesService/Interest ChargesTransaction ChargesEducation SpendsFuel SurchargeToll PaymentsGambling TransactionsLotteryOnline Skill-Based GamingGovernment-related TransactionsUtility Bill PaymentsTelecomTaxesInsurance PaymentsJewellery PurchasesForex TransactionsCryptocurrency/Digital Asset TransactionsRent PaymentRailwaysTransportationBusiness ServicesContracted ServicesCollection AgenciesSecurity Broker ServicesCharityDonationsDonations to Religious OrganizationsDonations to Political OrganizationsAntique ItemsLiquid AssetsOutstanding PaymentsSmartpaySmartbuy Portal
Terms & Conditions
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
