Welcome Benefits :- 

• As a joining benefit, you get 1000 bonus Reward Points on the condition that you should do a single transaction of Rs. 1000 through your card within the first 45 days of card issuance.

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Rewards & Benefits :- 

Movie & Dining

NA

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Rewards Rate

4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets booked through IRCTC

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Reward Redemption

The earned RP can be redeemed for ticket bookings via IRCTC website or mobile application. Also can be redeemed against card’s statement balance where 1 RP = Rs. 0.25

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Travel 

Complimentary partner railway lounges access

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Domestic Lounge Access

4 Complimentary access to railway lounges annually (1 every quarter)

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

Fee Waiver on Spends of ₹1,20,000 in a Year (For Paid Version)

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Rewards Redemption Fee

Nil

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Foreign Currency Markup

3.5% + GST on the transaction amount

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Interest Rates

3.25% per month (39% per annum)

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Fuel Surcharge

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

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Cash Advance Charges

2.5% of the amount withdrawn subject to a minimum charge of Rs. 300.

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Product Details :- 

• 1000 Bonus Reward Points as a welcome benefit

• 4 Reward Points per Rs. 100 you spend on grocery & departmental store purchases.

• 2 Reward Points per Rs. 100 you spend on other categories

• Upto 40 Reward Points per Rs. 100 spent on train bookings via IRCTC website and mobile application

• Get add-on card and enjoy added benefits

• Get 4 complimentary partner railway lounge access per year