Welcome Benefits
Welcome Gift of 1500 Travel Credits by paying the joining fee and making spends of Rs. 30000 within 60 days of card issuance.
Interest Free Period
Payment Gateway
Joining Fee(once)
Annual Fee(2nd year onwards once)
Rs. 1499
Add-on Card Fee
Annual Fee Waive off
Annual spends greater than Rs. 6,00,000
Cashback
Nil
Rewards
2 Travel Credits for every Rs. 200 spent on Travel Spends.
1 Travel Credits per Rs. 200 for all other spends, except fuel, e-wallet, rent, educational services and insurance transactions.
Milestone Benefits
Amount spent in an annual year (INR)
Rs. 5 lakhs : 5,000 Bonus Travel Credits
Rs. 6 lakhs : Annual fee reversed.
1 additional complimentary Domestic Lounge visits with every spend of Rs. 1 Lakh, capped at 8 visits in a membership year.
Fuel Surcharge Waiver
1% for transactions between Rs. 500 to Rs. 4000.
Up to Rs. 250 per statement
Dining
Nil
Movie Benefits
Nil
Lifestyle Benefits
Nil
Travel Benefits:
Reduced Forex Charges and upto 12 Domestic lounge access.
Lounge Benefits
For Domestic – 4 complimentary lounge access per year (max. 2 visits per quarter) and 1 additional complimentary Domestic Lounge visits with every spend of Rs. 1 Lakh, capped at 8 visits in a membership year
For International Lounges – Complimentary Priority Pass membership.
Hotel Benefits
Nil
Insurance Benefits
Nil
Concierge Benefits
Nil
Health Benefits
Nil
Cash Payment fees at branches
Rs. 250
Cash Withdrawal Fees or Cash Advance Fees
2.5% (Min. Rs. 500) of the cash amount
Card Replacement Fees
Rs. 100 to Rs. 250
Charge slip Retrieval Fee
Rs. 225
Cheque Payment Fee
Rs.100
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
3.5% on International transaction
Duplicate Statement Fee
Rs.100 per statement (>2 months old)
Emergency Card Replacement (When Abroad)
Minimum $175 for VISA, $148 for Mastercard
EMI Processing Fees
Rs. 199
Finance Charges
3.5% per month (42% per annum) (Min Rs 25)
Foreign Currency Transaction fee(Forex Charges)
3.00% of the transaction value
Late Payment charges
Nil if Total Payment Due is less than Rs. 500
Rs. 400 if total payment due is between Rs. 501 – Rs. 1,000
Rs. 750 if total payment due is between Rs. 1,001 – Rs. 10,000
Rs. 950 if total payment due is between Rs. 10,001 – Rs. 25,000
Rs. 1100 if total payment due is between Rs. 25,001 – Rs. 50,000
Rs. 1300 if total payment due is greater than Rs.50,000
* Additional Rs. 100 for missing payment of Minimum Amount Due *
Outstation Cheque Fee
N/A
Over Limit Fees
2.5% of the over limit amount (Min Rs. 600)
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
2% of the payment amount subject to Min. Rs.500
Payment of Customs duty
2.25% (Min Rs. 75)
Priority Pass Lounge Charges
$27 per visit + taxes
Railway Tickets Surcharge
Rs. 30 + 2.5% of transaction amount on Counters, 1% on IRCTC website
Rental Transaction Fee
Rs. 199
Reward Points Redemption Fee
Rs. 99
Any Other Charges
Cheque Pickup fee – Rs. 100
Fuel – 2.5% of transaction value or Rs. 10 whichever is higher
* 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.