Welcome Benefits
Welcome Gift of 2000 reward points on spending Rs. 10000 within 30 days of card issuance and 5% Cashback up to Rs. 1,000 on 1st EMI within 30 days of card issuance.
Flat Rs. 500 off on Domestic Flights booking on Yatra and Flat Rs. 500 off on purchases of Rs. 899 and above on MYGLAMM.
Free 6 months PharmEasy Plus membership and 1 year Lenskart Gold Membership.
Interest Free Period
Payment Gateway
Joining Fee(once)
Annual Fee(2nd year onwards once)
Lifetime Free (LFT) – No joining fee and No annual fee
Add-on Card Fee
Annual Fee Waive off
Lifetime Free (LFT) – No joining fee and No annual fee
Cashback
Nil
Rewards
10X Reward Points for every Rs.125 spent on LIC Insurance Premium transactions.
5X Reward Points for every Rs.125 spent on Grocery, Utilities, Railways, Education and Government payments capped at 600 Reward Points per month and all other transactions except Fuel, Rent, Non-LIC insurance and EMI transactions.
Milestone Benefits
Nil
Fuel Surcharge Waiver
1% for transactions between Rs. 200 to Rs. 5000.
Up to Rs. 300 per statement
Dining
Nil
Movie Benefits
Nil
Lifestyle Benefits
Nil
Travel Benefits:
Nil
Lounge Benefits
For Domestic Airport – 8 complimentary lounge access per year (2 per quarter on minimum monthly spends of Rs. 5000)
For Domestic Railway lounges – 4 complimentary Railway lounge visits per quarter via DreamFolks.
Hotel Benefits
Nil
Insurance Benefits
Complimentary Personal Accident Insurance Cover of up to Rs. 5 lakh.
Complimentary Credit Card Fraud Liability cover of Rs. 50000 on reporting unauthorized transactions within 24 hours of loss/theft of the card.
Concierge Benefits
Complimentary Roadside Assistance (RSA) all over India, up to 4 times in a year worth Rs. 1,399 through Global Assure.
Health Benefits
Nil
Cash Payment fees at branches
Nil
Cash Withdrawal Fees or Cash Advance Fees
Rs. 199
Card Replacement Fees
Rs. 100 and Rs. 149 for Cards with image personalisation.
Charge slip Retrieval Fee
Nil
Cheque Payment Fee
Nil
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
3.5% on International transaction
Duplicate Statement Fee
Nil
Emergency Card Replacement (When Abroad)
N/A
EMI Processing Fees
Rs. 99 or 1% of the transaction amount (whichever is higher)
Finance Charges
0.75% to 3.65% per month (9% to 43.8% per annum)
Foreign Currency Transaction fee(Forex Charges)
3.5% of the transaction value
Late Payment charges
15% of Total Payment Due (minimum Rs. 100 to maximum of Rs. 1300)
Nil if Total Payment Due is less than Rs. 100
Rs. 100 if total payment due is Rs. 500
Rs. 750 if total payment due is Rs. 5,000
Rs. 1200 if total payment due is Rs. 10,000
Rs. 1300 if total payment due is greater than Rs.10,000
Outstation Cheque Fee
Nil
Over Limit Fees
2.5% of the over limit amount (Min Rs. 550)
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
2% of the payment amount subject to Min. Rs.500
Payment of Customs duty
N/A
Priority Pass Lounge Charges
N/A
Railway Tickets Surcharge
as per IRCTC website
Rental Transaction Fee
1% of transaction value, minimum of Rs. 249 per transaction
Reward Points Redemption Fee
Rs. 99
Any Other Charges
N/A
* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.