Benefits
Reward Points Accrual – Earn 2 PAYBACK Points on every Rs. 100 spent on your card (except fuel). And, Earn 1 PAYBACK Point on every Rs.100 spent on utilities and insurance categories.
Movie Benefits – Get up to 2 complimentary movie tickets (Up to Rs. 250 per ticket) every month under the Buy One Get One free offer at BookMyShow. Subject to min purchase of 2 tickets at a time.
Dining Benefits – Minimum 15% savings on dining bills at over 2500+ partner restaurants across India through the Culinary Treats Programme. The customer is supposed to do 3 or more transactions each of Rs. 1000 or more from the card by the end of the month when he/she has received the mail.
Fuel Surcharge Waiver – 1% fuel surcharge waiver on fuel transaction of up to Rs. 4,000 at HPCL Petrol Pumps.
Lounge Access – 1 Complimentary access to select VISA / Mastercard airport lounges in India per quarter (worth Rs.500 to Rs. 1100 per visit). Apart from it, 1 complimentary domestic Railway lounge worth Rs. 500 (Currently available at Stations in Delhi and Vizag) visit per quarter for primary cardholder only.
Drawbacks
- No Welcome gift
- No renewal benefit
Milestone Rewards
Offer 1 –
- Spend Rs. 2 Lacs in a year and get 2000 PAYBACK Points.
Offer 2 –
- Get Additional 1000 PAYBACK Points on each Rs. 1 Lac spend thereafter in the same year. Subject to max 10,000 PAYBACK Points in a year.
Offer 3 –
- Spend Rs. 1.50 Lacs in a year and get annual fee waiver for next year.
Fees & Penalties
| Type of Charges | Applicable Amount |
| Annual Fee | Rs. 500 |
| Joining Fee | Rs. 500 |
| Add-on Card Fee | Zero |
| Typical APR | 3.40% per month |
| Cash Withdrawal | 2.5% of the cash amount or Min Rs. 300. |
| Late Payment | Zero to Rs. 700 |
| Over-Limit | 2.5% of the cash amount or Min Rs. 500. |
| EMI Bounce | 2% of the cash amount or Min Rs. 250. |
| Foreign Currency Transaction | 3.5% on the rupee value after conversion |
| Fuel Surcharge | 1% of the fuel transaction, subject to minimum Rs. 10. |
| Cash Deposit | Rs. 100 per instance at branches |
| Min Amount Due (MAD) | 5% of the outstanding amount or min Rs. 100. |
| Card Replacement | Rs. 100 |
FAQs
VISA Airport Lounge List
| Lounge Name | City | Location |
| Plaza Premium Lounge | Delhi | Domestic Departures (T3) |
| Plaza Premium Lounge | Delhi International | Departures (T3) |
| Mumbai Airport Lounge | Mumbai | Domestic Departures (T2) |
| Clipper Lounge | Mumbai | International Departures (T2) |
| Travel Club (TFS) | Chennai | Domestic Departures |
| Travel Club (TFS) | Chennai | International Departures |
| Plaza Premium Lounge | Bengaluru | Domestic Departures |
| Plaza Premium Lounge | Bengaluru | International Departures |
| Plaza Premium Lounge | Hyderabad | Domestic Departures |
| Plaza Premium Lounge | Hyderabad | International Departures |
Mastercard Airport Lounges
| City | Lounge Name | Airport Terminal | Location |
| Bangalore | AGL | Domestic | Mezzanine Level, Domestic Departure, Terminal 1 |
| Bangalore | AGL | International | Level 1, Near Gate 18, International Departure, Terminal 1 |
| Bangalore | Plaza Premium | Domestic | Domestic Departure Terminal, Terminal 1, Mezzanine Level |
| Bangalore | Plaza Premium | International | International Departures, Terminal 1, Level 1 |
| Chennai | TFS | International | Travel club Lounge, Old international terminal building, near boarding, Anna international terminal, Chennai airport, Chennai |
| Chennai | TFS | New International | Travel club Lounge, New international terminal building, 3rd Floor, Anna International Terminal, Chennai airport, Chennai |
| Chennai | TFS | Domestic | Travel Club Domestic, Link building Chennai 600027, Chennai |
| Cochin | Earth | Domestic | Cochin Domestic Airport, Opp. CIAl, Nedumbassery, Ground Floor Cochin – 683572, Kerala |
| Cochin | Earth | International | Cochin International Airport, Opp. CIAl, 2nd Floor Nedumbassery, Cochin – 683572, Kerala |
| Delhi | Plaza Premium | Domestic T1D | T1 D, Level 02, Mezzanine Level, Terminal 1, Domestic Departures, Indira Gandhi International Airport, Palam, New Delhi |
| Delhi | Plaza Premium | Domestic T3 | Mezzanine Level, Terminal 3, Domestic Departures, Indira Gandhi International Airport, New Delhi |
| Delhi | Plaza Premium | Domestic T2 | Domestic Departures, Indira Gandhi International Airport, Palam, Terminal 2, Airside – Domestic Departures, near Gate 24. New Delhi. Take left after SHA |
| Delhi | Plaza Premium(A) | International T3 | Level INL 03, International Departures, Terminal 3, Indira Gandhi International Airport, New Delhi |
| Delhi | Plaza Premium(B) | International Terminal 3 | Level 4, International Departures, Terminal 3, Indira Gandhi International Airport, New Delhi |
| Goa | Port | Domestic | P K hospitality Pvt ltd., Dabolim Airport, South Goa Golden Chariot Restaurant, 3rd Floor Pin code – 403801 |
| Goa | Port | International | P K hospitality Pvt ltd., Dabolim Airport, South Goa Golden chariot Restaurant, 3rd Floor Pin code – 403801 |
| Hyderabad | Premium Plaza | Domestic | Level E, Domestic Departures, Rajiv Gandhi International Airport (near Gate 28), Hyderabad |
| Hyderabad | Premium Plaza | International | Level E, International Departures, Rajiv Gandhi International Airport (near Gate 32 A/B), Hyderabad |
| Kolkata | Travel Club | Domestic | Mezzanine Level, Domestic Terminal, Netaji Subhash Chandra Bose, Domestic Airport, Kolkata |
| Kolkata | Travel Club | International | International Terminal, Netaji Subhash Chandra Bose, International Airport, Kolkata |
| Mumbai | Clipper/Loyalty Lounge | Domestic T1B | SHA Area, Terminal 1B, Domestic Departure, Chatrapati Shivaji Airport, Near gate No 9 Mumbai |
| Mumbai | TFS | Domestic T1C | Travel food service, Terminal 1 C, 1st floor Opp. Gate A2, Mumbai |
| Mumbai | Clipper Lounge | International T2 | Floor Opposite Samsonite, Terminal 2, Mumbai International Airport |
| Mumbai | Mumbai Airport Lounge Services | Domestic T2 | Travel Club Lounge, SHA, Terminal 2, Chhatrapati Shivaji International Airport, Mumbai |
| Jaipur | Club One | International | Airports Authority of India, Civil Airport, Sanganer, Jaipur, Rajasthan |