What's in it for me?
A clean view of the terms worth comparing.
Get cashback up to INR 18,000 annually with flat cashback rates on spends
01
Rewards and useful benefits
Get cashback up to INR 18,000 annually with flat cashback rates on spends
- 2% cashback on online spends
- 1% cashback on other spends
- Extended interest-free credit period for first 90 days
- Special interest rate for EMI plans with Nil processing fee
- Contactless credit card
- Secure online transactions with 3D secure OTP
- Digital payment solutions like BharatQR, BBPS, and Samsung Pay
- Dial-a-loan up to INR 5,00,000
- Balance transfer from other bank credit cards
- Balance on EMI conversion available.
02
Fees and renewal
- Joining
- ₹499 + GST
- Annual
- ₹499 + GST
- Waiver
- Renewal fee reversed for clients with spends >= INR 120,000 in preceding year.
03
Published eligibility
- Income
- Applicant should have stable monthly income
- Age
- 21 to 65 years for primary cardholder, 18 years for add-on cardholder
- Employment
- Applicants should belong to credit card sourcing cities/locations of the Bank.
04
Four lines to check before you apply
- The joining fee, annual fee, GST and the exact annual-fee waiver rule.
- The reward value after redemption—not just the number of points earned.
- Monthly caps, excluded merchant categories and whether UPI transactions qualify.
- Your eligibility, the final application offer and the issuer’s current terms.