All Benefits
- 25 reward points per ₹100 on Bharat Gas (capped at 500 points per billing cycle)
- 1 reward point per ₹100 on other retail spends
- 4 reward points = ₹1 redemption value
- Approx. 6.25% value back on fuel spends
Fees
Joining Fee
2000 Rewards points on card activation worth Rs 500
₹1,769
₹1,499 + GST
Annual Fee
The annual fee is waived if you spend ₹2 lakh more in a year on your card, as per bank policy.
₹1,769
₹1,499 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup
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
3.50%
Finance Charges (APR)
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 45%
3.75%
ATM Withdrawal
2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption
A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge
Railway ticket transactions 1% charges as applicable by Indian Railways
1%
Rent Payment
1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment
₹200 will be charged for all payments done via Check
₹200
Cash Payment
Rs 250 + taxes will be charged for all payments done via Cash
₹250
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 - ₹500 | ₹₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| ₹50,001 and above | ₹1,300 |
An additional Late Payment Charge of Rs. 100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.
Reward Exclusions
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
Full charges and terms: Bank MITC / Terms