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Fees & charges
Joining fee₹1,499
Annual fee₹1,499
Fee waiverNo fee waiver
Forex markup3.5%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of transaction amount (subject to a minimum of Rs.500) for both domestic and international ATMs
Late payment feeNil for Rs.0-Rs.100; Rs.100 for >Rs.100 & up to Rs.500; Rs.500 for >Rs.500 & up to Rs.1,000; Rs.750 for >Rs.1,000 & up to Rs.10,000; Rs.950 for >Rs.10,000 & up to Rs.25,000; Rs.1,100 for >Rs.25,000 & up to Rs.50,000; Rs.1,300 for >Rs.50,000. Additional Rs.100 levied on missing MAD by due date for two consecutive cycles.
Rewards & Lounge access
RewardsReward Points on IRCTC ticket purchases; 1% transaction charge saving on railway tickets booked on irctc.co.in via RuPay
Lounge access4 complimentary railway lounge visits/year (max 1/quarter)
NetworkRuPay/Visa
CategoryMid-tier
Card typeRetail
Key features
- Reward Points on IRCTC ticket purchases; 1% transaction charge saving on railway tickets booked on irctc.co.in via RuPay
- 4 complimentary railway lounge visits/year (max 1/quarter)
- 1,500 reward points as welcome benefit; travel offers and insurance cover