Welcome Benefits
Rs.1500 SpiceJet Voucher as welcome benefit. And Complimentary SpiceClub Silver Tier membership.
Interest Free Period
Payment Gateway
Joining Fee(once)
Annual Fee(2nd year onwards once)
Rs. 750
Add-on Card Fee
Annual Fee Waive off
Renewal Benefit: 1000 SpiceClub Points
Cashback
Nil
Rewards
For every Rs. 200 spent.
Upto 18 SpiceClub Points on SpiceJet mobile application and website.
6 SpiceClub Points on Online Food order, Online Bill payment & Online Entertainment.
3 SpiceClub Points on all other domestic retail & international transactions (excluding Fuel, wallet & EMI transactions).
Milestone Benefits
Amount spent in a year (INR)
Rs. 1 lakh: 2000 SpiceClub Points
Rs. 2 lakh: 3000 SpiceClub Points
Fuel Surcharge Waiver
1% for transactions between Rs. 400 to Rs. 4000.
Up to Rs. 400 per statement
Dining
Up to 15% off on dining restaurants via EazyDiner.
Movie Benefits
Nil
Lifestyle Benefits
Nil
Travel Benefits:
More reward points for travel and everyday transactions.
Lounge Benefits
For Domestic – 4 complimentary lounge access per year
Hotel Benefits
Nil
Insurance Benefits
Nil
Concierge Benefits
Nil
Health Benefits
Nil
Cash Payment fees at branches
Rs.100
Cash Withdrawal Fees or Cash Advance Fees
2.5% (Min. Rs. 500) of the cash amount
Card Replacement Fees
Nil
Charge slip Retrieval Fee
Waived
Cheque Payment Fee
N/A
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
1% on International transaction
Duplicate Statement Fee
Waived
Emergency Card Replacement (When Abroad)
N/A
EMI Processing Fees
1.5% or Rs. 250 whichever is higher
Finance Charges
3.6% per month (52.86% per annum)
Foreign Currency Transaction fee(Forex Charges)
3.5% of the transaction value
Late Payment charges
Nil if Total Payment Due is less than Rs. 500
Rs. 500 if total payment due is between Rs. 501 – Rs. 5,000
Rs. 750 if total payment due is between Rs. 5,001 – Rs. 10,000
Rs. 1200 if total payment due is greater than Rs.10,000
Outstation Cheque Fee
Waived
Over Limit Fees
2.5% of the over limit amount (Min Rs. 500)
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
2% of the payment amount subject to Min. Rs.450, Max. Rs. 1500
Payment of Customs duty
N/A
Priority Pass Lounge Charges
N/A
Railway Tickets Surcharge
As prescribed by IRCTC / Indian Railways
Rental Transaction Fee
1% capped at Rs. 1,500 per transaction
Reward Points Redemption Fee
Nil
Any Other Charges
Nil
* 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.