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Joining Fee

Nil

Joining Fee

Rs. 9,999 + Applicable Taxes

Welcome Benefits

Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.

Welcome Benefits

Choose one of these: a Luxe gift card, a complimentary stay at Oberoi Chain of Hotels, Montblanc products, Postcard hotel stays, and Vouchagram gift vouchers from popular brands like Charles Keith, Bata, Raymond, Pantaloons, etc.

Rewards Rate

3 Reward Points on every Rs. 100 spent offline, 6 Reward Points on every Rs. 100 spent online, 10 Reward Points per Rs. 100 on spends above Rs. 30,000.

Rewards Rate

1 Reward Point per Rs. 100 spends on weekdays and 2 Reward Points for every Rs. 100 you spend on weekends.

Movie & Dining

Buy One Get One offer on movie tickets up to Rs. 500 on the Paytm app, twice every month and up to 20% discount on over 1,500 restaurants.

Movie & Dining

Buy 1 get 1 free (BOGO) with up to 3 complimentary movie tickets every month.

Reward Redemption

Reward Points redeemable on Poshvine redemption portal for shopping vouchers from many popular brands including at a rate of 1 Reward Point = Rs. 0.25. You have to pay a convenience fee of Rs. 99 plus taxes for reward redemption.

Reward Redemption

1 RP = 1 InterMiles for redemption against Intermile, 1 RP = Re. 1 for redemption against cash credit, and 1 RP = 1 CV Point for redemption against Club Vistara Points.

Travel

You get 4 complimentary international as well as domestic lounge access and spa visits every year.

Travel

Complimentary domestic and international airport lounge access with Priority Pass membership

Golf

Complimentary golf rounds each month for every Rs. 20,000 spent in the previous month (max 2 golf rounds in a month).

Golf

Domestic Lounge

Up to 4 free visits to domestic airport lounges per quarter.

Domestic Lounge

2 complimentary domestic lounge access every quarter

International Lounge

Up to 4 complimentary international lounge visits per quarter.

International Lounge

Priority Pass membership offering international lounge access at $27 per visit

Insurance Benefits

Travel-related insurance benefits including accidental air death insurance worth Rs. 1 crore, personal accident coverage worth Rs. 10 lakh, and lost card liability cover worth Rs. 50,000

Insurance Benefits

Get a Complimentary Air Accidental cover of Rs 25 Lakhs. Complimentary Lost baggage Insurance of Rs 1 lakh and several other travel insurance covers.

Zero Liability Protection

Bank not liable for any unauthorized transaction prior to the time of reporting the loss of card. However, you do get a lost card liability cover worth Rs. 50,000.

Zero Liability Protection

Lost card liability is applicable from 2 days before reporting and till 7 days after informing the loss of card.

Joining Fees

Nil

Joining Fees

Rs. 9,999 + Applicable Taxes

Renewal Fee

Nil

Renewal Fee

Nil

Spend Based Waiver

Nil

Spend Based Waiver

NA

Rewards Redemption Fee

Rs. 99 plus taxes

Rewards Redemption Fee

Rs. 100

Foreign Currency Markup

1.5% + GST

Foreign Currency Markup

1.80% on all foreign currency transactions

Interest Rates

0.75% to 3.5% per month depending upon the credit history of the card member.

Interest Rates

3.83% per month (46% per annum)

Fuel Surcharge

A 1% fuel surcharge is waived at all authorized fuel stations  (max waived amount capped at Rs. 400/month).

Fuel Surcharge

1% of Fuel Surcharge Waiver applicable at all fuel stations across India.

Cash Advance Charges

Rs. 199 per transaction

Cash Advance Charges

2.5% of the transaction amount (Minimum charge of Rs. 500)

Add-on Card Fee

Nil

Add-on Card Fee

Nil