Earn 2 Reward Points on ₹150 spent on retail purchase.
Earn 50% additional reward points for incremental spends above ₹75,000 in a statement cycle.
Avail up to 3 lifetime free add-on cards.
Spend ₹15,000 within first 90 days and get the 1st year fee reversed.
Spend ₹75,000 within a year and get next year’s annual fee reversed.
Save up to ₹8,300 every year on airport lounge access and fuel transactions.
Enjoy lounge access at airport in India or overseas.
Always get secured with zero lost card liability post reporting of the loss of card.
Enjoy redemption of Reward Points against air miles when you travel with Jet Airways, Kingfisher Airlines and Air India. Also, redeem your Reward Points against Air Vouchers of other leading domestic airlines at the applicable redemption rate.
- Zero Lost Card Liability
- Reward Points Valid for 2 Years.
- Annual Fee Waiver
- Avail Loan on Your Credit Card
- No reward point for transactions less than ₹150.
- No reward points on fuel transactions.
- Charge of ₹75 per reward redemption request.
- No less than 500 points can be redeemed.
First Year Fee:
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 ₹300 on each transactions
Late Payment Charges: Nil for less than ₹100; ₹100 for ₹100 to ₹500; ₹400 for ₹501 to ₹5000; ₹500 for ₹5001 to ₹10,000; ₹700 for ₹1,001 and above
Overlimit Charges: 2.5% of the overlimit amount, subject to min of ₹500
Min Repayment Amount: 5% of Total Outstanding, subject to min ₹200
Cash Advance Limit: 4% of the credit limit
Cash Processing Fee: ₹100
Reward Redemption Fee: ₹75 per redemption request
Balance Transfer Processing fee: 2% of transfer amount, subject to minimum of ₹250
Convenience fee on fuel purchase: 1%
Card Replacement fee: ₹100
Foreign Currency Transactions: 3.5% of conversion mark-up fee
2 Reward Points on every ₹150 spent. Only retail purchases qualify for Reward Points. Cash advance, fees and other charges do not accrue any reward points.
50% more rewards points on dining and grocery. (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.)
Reward rate: Rs. 0.40 per Rs. 100 spend
- Spend ₹15,000 within first 90 days and get the 1st year fee reversed.
- Spend ₹75,000 within a year and get next year’s annual fee reversed.
Benefits of Global Value Program
500 Bonus Reward Points of worth ₹130 on 1st International transaction. This feature is available once in a year.
1% Cashback on all International transactions (upto ₹1,000/- per statement cycle).
Get ₹2,000/- with ClearTrip voucher once you accumulate International spends of ₹1,50,000/- in a year. This feature is available once in a year.
Annual / Renewal Fee – ₹199
Age (Salaried): 21 years to 60 years
Age (Self Employed): 21 years to 65 years