Live Apply Process

Welcome Benefits :- 

• You get a gift voucher worth ₹500 as an introductory benefit on spending ₹5,000 or above within 30 days of card issuance.

• Also, you get a 5% cashback on EMI transactions up to ₹1,000 within 30 days of card issuance using this credit card.

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Rewards & Benefits :- 

Movie & Dining

25% off on movie tickets up to ₹100 once per month.

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Rewards Rate

30X Reward Points on HPCL Fuel up to 2,400 Reward Points. You can save up to 5% as rewards on grocery and utility expenses, up to 5% as a reward on IDFC FIRST FASTag recharges (max ₹1,000 per month), and 3X rewards on all other retail transactions.

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Reward Redemption

1 Reward point = ₹0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.

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Travel 

Complimentary domestic airport lounge access once every quarter and complimentary roadside assistance worth ₹1,399 four times a year.

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Domestic Lounge Access

1 Complimentary Domestic Lounge Access Every Quarter (4 Each Year)

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

₹1,50,000 spent in the previous year.

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Rewards Redemption Fee

Rs. 99 for every redemption request that you place.

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Foreign Currency Markup

1.99% 

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Interest Rates

Ranges between 0.75% to 3.5% per month based upon the credit history of the individual

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Fuel Surcharge

N/A

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Cash Advance Charges

Rs. 199 per transaction

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Product Details :- 

• Save up to 6.5% on fuel spends with this credit card.

• Save up to 5% as a reward on utility and grocery bills (max cap. ₹2,000 per month)

• Save up to 5% as rewards on IDFC FIRST FASTag recharge (max cap ₹1,000 per month)

• Get 3X rewards on all other miscellaneous retail transactions.

• Complimentary domestic airport lounge access per quarter (minimum monthly spending of ₹20,000)

• Get up to 25% off on movie tickets (₹100 max cap per month)

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Pros/Cons :-

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Pros

• With this credit card, you also get rewards on UPI transactions.

• The joining fee is quite affordable (₹499).

Cons

• For global travellers, this card doesn’t provide any international lounge access.