4% reward points on IndianOil fuel spends (capped at 1,200 points per statement cycle)
2% reward points on dining & grocery spends (capped at 800 points per statement cycle)
0.5% reward points on all other spends including UPI transactions (no cap)
1,000 welcome reward points on spending ₹500 within 30 days
Annual fee waiver of ₹449 on spending ₹50,000 in an anniversary year
Fees
Joining FeeThe joining fee is not offset by any bonus or credit.
₹530
₹449 + GST
Annual FeeThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
₹530
₹449 + GST
Eligibility
Age
18-60 years
Salary
N/A LPA
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)3.75% monthly interest (45% p.a.) is charged on unpaid outstanding amounts w.e.f. 1 June 2025. Credit cards give an interest-free period of up to ~45–55 days, but if you don’t pay at least the minimum amount due by the due date, interest is charged on the outstanding balance until it is cleared
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
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 is charged when you make your credit card bill payment in cash at the bank branch
₹100
Late Payment Charges
Amount due
Fee
₹0 – ₹100
₹0
₹101 – ₹500
₹100
₹501 – ₹5,000
₹500
₹5,001 – ₹10,000
₹600
₹10,001 – ₹25,000
₹800
₹25,001 – ₹50,000
₹1,000
> ₹50,000
₹1,200
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
No Rewards On
Rent paymentFuelInsuranceEMI TransactionsCash WithdrawalsJewellerySchool & Educational ServicesGovernment related transactionsWallet transactionsLoad moneyFeesGST chargesAll ReversalsGamblingTollsSecurity Broker ServicesCharityRailwaysUtility Bill PaymentsBalance TransferFinancial Charges
Excluded Spends
Rent paymentFuelInsuranceEMI TransactionsCash WithdrawalsJewellerySchool & Educational ServicesGovernment related transactionsWallet transactionsLoad moneyUtility Bill PaymentsBalance TransferFinancial Charges
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
