Enjoy 0% forex markup fees on all international transactions
Earn 3X Reward Points on eligible online and offline spends up to Rs 20,000 per statement cycle. Earn 10X Reward Points on Dining, Travel and International spends, as well as on Birthday spends. Utility, Insurance, IDFC FASTag and Railway transactions earn 1X Reward Points, while Fuel, EMI transactions and Cash Withdrawals do not earn Reward Points. Reward Point Value: Rs 0.25 per point
Enjoy 4 complimentary railway lounge visits every quarter (16 visits annually). To unlock the benefit, spend Rs 20,000 or more in the previous calendar month
Spend Rs 5,000 within 30 days of card activation and receive a Rs 500 welcome voucher (choice of partner brands). Also get 5% cashback (up to Rs 1,000) on your first EMI transaction within 30 days of card activation
Receive complimentary roadside assistance worth Rs 1,399, covering towing, flat tyre assistance, battery jump-start, emergency fuel delivery and related roadside services
Reward Points are valid for 24 months from the credit date. For instance, points earned in the July 2026 cycle will be valid till June 2028. Existing balances as of July 2026 will also remain valid for 24 months. Points can be redeemed for flights, hotels, vouchers, merchandise, and more. A Rs 99 + GST fee applies per redemption
Save up to 20% at 1,500+ partner restaurants across India through the bank's dining programme
FEES AND LIST OF CHARGES
Joining Fee: Nil
Annual Fee: Nil
DOCUMENTS NEEDED
ID Proof: PAN Card/Form 60
Address Proof: Aadhaar, Passport, or utility bills
Income Proof: Bank statements or Salary slips
Photograph: Recent passport-sized photo
ELIGIBILITY CRITERIA
Age: 21 to 65 years
Employment: Both salaried and self-employed individuals
Salaried Income: Rs 25,000/monthly
Self Employed: Rs 3,00,000/annum
Credit Score: 720+
