Movie & Dining

5% cashback on Paytm Movies & 20% discount via Dineout

Rewards Rate

5% cashback on all spends on Paytm Mall/Movies/Mini app, 3% accelerated cashback on select brands like Ajio, BigBasket, Swiggy & Uber, 1% cash back on all other eligible retail spends

Reward Redemption

Redeem your Cashpoints as Cashback along with other redemption options.Re.1 Cashpoint =Re.1 Cashback for redemption against the statement balance. Re.1 Cashpoint = Re.0.3 for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal.

Travel

Complimentary domestic airport lounge access

Golf

N/A

Domestic Lounge Access

8 complimentary domestic airport lounge access every year (max 2 per quarter)

International Lounge Access

N/A

Insurance Benefits

N/A

Zero Liability Protection

The cardholder shall not be liable for any fraudulent transaction made with the card post reporting the loss of card to the bank.

Spend Based Waiver

Joining fee waived off on spending a minimum of Rs. 50,000 within the first 90 days of card issuance, annual fee (second year onwards) waived off on the expenditure of a minimum of Rs. 1.5 lacs in the preceding 12 months.

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% of the transaction amount

Interest Rates

3.6% per month or 43.2% annually

Fuel Surcharge

1% fuel surcharge waived off on fuel purchases of a minimum of Rs. 400 (maximum waived amount capped at Rs. 500 per month)

Cash Advance Charges

2.5% of the transaction amount (subject to a minimum charge of Rs. 500)

Add-on Card Fee

Nil