2 Reward Points (RP) on Rs 150 spent.
50% more reward points on dining spends
Redeem reward points as CashBack against outstanding amount on your Credit Card. 100 Reward Points = Rs. 10
Earn a CashBack of Rs. 2,900 on reward points accumulated by spending Rs. 5 lakh on your card.
Zero Lost Card liability post reporting of the loss of card
Save up to Rs. 1,800 every year on your fuel transactions
Fuel Surcharge Waiver of Rs. 250 every billing cycle
Get first year fee reversed if you spend Rs. 10,000 in first 90 days of card set-up date and renewal fee reversed if you spend Rs. 50,000 in a year prior to renewal date
- Zero liability on lost card
- Reward points are valid for 2 years
- Annual fee waiver
- Get loan against your card
- Lifetime free Add-on Cards
- No reward point for transactions less than Rs. 150
- No reward points on fuel transactions
- Charge of Rs. 75 per reward redemption request
- No less than 500 points can be redeemed
Annual Fee: Rs. 500
First Year Fee: Rs. 500
Add-on Card Fee: Upto 3 Cards lifetime fee
Grace Period: 20-50 days
Charges of Revolving Credit: 3.49% (41.88% p.a.). Maximum interest rate, in the event of default, is 3.5% per month i.e. 42% annually.
Cash Advance Fee: 2.5% or minimum Rs. 300 on each transactions
Late Payment Charges: Nil for less than Rs. 100; Rs. 100 for Rs. 100 to Rs. 500; Rs. 400 for Rs. 501 to Rs. 5000; Rs. 500 for Rs. 5001 to Rs. 10,000; Rs. 700 for Rs. 1,001 and above
Overlimit Charges: 2.5% of the overlimit amount, subject to min of Rs. 500
Min Repayment Amount: 5% of Total Outstanding, subject to min Rs. 200
Cash Advance Limit: 4% of the credit limit
Cash Processing Fee: Rs. 100
Reward Redemption Fee: Rs. 75 per redemption request
Balance Transfer Processing fee: 2% of transfer amount, subject to minimum of Rs. 250
Convenience fee on fuel purchase: 1%
Card Replacement fee: Rs. 100
Foreign Currency Transactions: 3.5% of conversion mark-up fee
2 Reward Points (RP) on Rs 150 spent. 50% more reward points on dining spends. (50% more Reward Points are offered to the Cardholders only on those transactions which are classified under the ‘Restaurant’ Merchant Category Code (MCC) as defined by VISA/ MasterCard. Merchant Category Code (MCC) classified under ‘Hotel’ categories will not qualify for 50% more Reward Points.) 100 Reward Points = Rs. 15
Reward Rate: Rs. 0.13 per Rs. 100 spend
- First year fee reversed if you spend Rs. 10,000 in first 90 days of card set-up date
- Renewal fee reversed if you spend Rs. 50,000 in a year prior to renewal date
Benefits of Global Value Program
500 Bonus Reward Points of worth Rs. 130 on 1st International transaction. This feature is available once in a year.
1% Cashback on all International transactions (upto Rs. 1,000/- per statement cycle).
Get Rs. 2,000/- with ClearTrip voucher once you accumulate International spends of Rs. 1,50,000/- in a year. This feature is available once in a year.
Annual / Renewal Fee – Rs. 199
Age (Salaried): 21 years to 60 years
Age (Self Employed): 21 years to 65 years