Welcome Benefits
A Fixed Deposit, i.e., FD-based secured credit card with No Forex Charges and Visa Infinite Offers.
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
4X Reward Points for every ₹150 spent and 1 Reward Point on Insurance premium payments and Utility bill payments for every ₹150 spent, except Fuel, EMI transactions & Cash withdrawals.
Milestone Benefits
Nil
Fuel Surcharge Waiver
1% for transactions between Rs. 200 to Rs. 5000.
Up to Rs. 200 per statement
Dining
Nil
Movie Benefits
Visa Infinite Offers. Buy one movie ticket at Bookmyshow and get upto Rs.300 off on the second ticket, once a month. (BOGO on BookMyShow)
Lifestyle Benefits
Check Visa Infinite Offers.
Travel Benefits:
Nil
Lounge Benefits
Nil
Hotel Benefits
Nil
Insurance Benefits
Complimentary Personal Accident Insurance Cover of up to Rs. 2 lakh.
Complimentary Credit Card Fraud Liability cover of Rs. 25000 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)
Nil
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)
Nil
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.