Card Details
Earn 2 PAYBACK points on every ₹100 spent for all retail purchases except fuel.
Annual Fee is waived off, if you spend more than ₹1,25,000 in the previous year.
1 complimentary domestic Airport Lounge visit per quarter.
2 complimentary movie tickets every month under the Buy 1, Get 1 offer from BookMyShow.
15% savings on dining bills at over 800 restaurants across India through the Culinary Treats Programme.
Waiver of 1% on fuel surcharge valid on a maximum spend of ₹ 4000 per transaction at all HPCL pumps.
Enjoy Up to 20% discount on Ferrari merchandise at the Ferrari Store in Maranello, Italy.
Get Up to 15% discount on Ferrari merchandise at the Online Ferrari Store.
Pros
- Fuel Surcharge Waiver
- Annual Fee Waiver
Cons
- No Joining Perks
Fee Details
Annual Fee: Rs. 499
First Year Fee: Rs. 499
Add-on Card Fee: Nil
Overdue Charges on Extended Credit: 3.4% per month or 40.8% per annum.
Cash Advance Charges: 3.4% per month or 40.8% per annum.
Cash Advance fee (at ATMs): 2.5% on advanced amount, subject to a minimum of Rs. 300.
Reward Redemption fee: Rs. 99 per request on Catalogue based redemptions and Rs. 25 per request on Online/In-store redemptions at PAYBACK Online Partner Brands.
Late Payment fee: Nil for less than Rs. 100; Rs. 100 for Rs. 100 to Rs. 500; Rs.500 for Rs. 500 to Rs.10,000; Rs.750 for Above Rs. 10,000
Overlimit Charges: 2.5% on the overlimit amount, subject to a Min of Rs. 500
Card Replacement Fee: Rs. 100
Foreign Currency Mark-up: 3.50%
Railway Surcharge: 1.8% on online booking through irctc.co.in and 2.5% on booking through railway counters.
Fuel Surcharge: 2.5% of transaction value or Rs. 10 whichever is higher
Grace Period: 18 to 48 days
Min Amount Payable: 5% of the outstanding amount, subject to Min Rs.100
Rewards Programme
Earn 2 PAYBACK points on every ₹100 spent for all retail purchases except fuel.
Reward rate: Rs. 0.50 per Rs. 100 spend