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.
- No Welcome gift
- No renewal benefit
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|
VISA Airport Lounge List
|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|