Movie & Dining

N/A

Rewards Rate

Cashback of 2% on utility bills, groceries, and departmental stores and cashback of 1% on all other spends.

Reward Redemption

N/A

Travel

Complimentary access to railway lounges.

Golf

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Insurance Benefits

N/A

Zero Liability Protection

Zero liability of the credit cardholder in case of loss or theft of card post reporting the same to the bank.

Spend Based Waiver

Spend Rs. 10,000 in the first 90 days for a fee waiver. For an annual fee waiver, there should be spends of Rs. 40,000 or more in a year.

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.49% on all international spends.

Interest Rates

3.49% per month

Fuel Surcharge

Surcharge waiver of 1% on fuel transactions between Rs. 400 and Rs. 5,000.

Cash Advance Charges

Rs. 100 or 2.5% of the cash amount withdrawn, higher of the two.

Add-on Card Fee

Nil