Card Details
- Welcome Benefit of 1000 Reward Points worth Rs. 250.
- Spend Rs. 15,000 within first 90 days and get the Joining fee of Rs. 1,000 reversed.
- Renewal Benefit of 1000 reward points worth Rs. 250 on card renewal.
- Spend Rs. 1 Lacs in a year and get Renewal fee of Rs. 1,000 reversed for the next year.
- Earn 3 Reward Points for every Rs 150 spent on retail purchase, except for Cash Advances, Fuel, Fees, and other charges.
- Opt for any of the following Cross-Sell Products within 90 days of card set up to get a Life time Free Card – SmartPay, One Assist, General Insurance or Add-on Card.
- Get 50% more rewards points on dining, applicable on transaction which are classified under the ‘Restaurant’ Merchant Category Code (MCC) as defined by MasterCard. Merchant Category Code (MCC) classified under ‘Hotel’ categories will not qualify for 50% more Reward Points.
- Enjoy Complimentary Lounge access with MasterCard Lounge Program.
- 0% Fuel surcharge for transactions between Rs. 400 to Rs. 5000, maximum Rs. 250 per statement cycle.
- Enjoy redemption of Reward Points for gifts from Exclusive Rewards Catalogue or at over 20 international airlines through KrisFlyer – Singapore Airline’s Frequent Flyer Program. Enroll for a KrisFlyer membership by registering at www.krisflyer.com.
- Enjoy redemption of Reward Points against air miles on Jet Airways, and Air India. Also, redeem Reward Points against Air Vouchers of other leading domestic airlines. 1 Reward Point is worth 0.70 Air Miles or Rs. 0.70 Air Voucher.
- Post reporting the loss, get zero liability on any fraudulent transactions made with your card.
Pros & Cons
| Pros | Cons |
| Low Annual Fee Zero Lost Card Liability Reward points valid for 2 Years Complimentary Lounge Access Annual Fee Waiver Free Supplementary Cards | Spend less than Rs. 150 doesn’t accrue Reward Points. No Reward Points on Fuel transactions Rs. 75 fee on each Reward Redemption request No less than 500 points can be redeemed |
Fee Details
- Annual Fee: Rs. 1000
- First Year Fee: Rs. 1000
- Add-on Card Fee: Upto 3 Cards lifetime fee
- Grace Period: 20-50 days
- Charges of Revolving Credit: 3.49% (41.88% p.a.). Maximum interest rate, in the event of default, is 3.5% per month i.e. 42% annually.
- Cash Advance Fee: 2.5% or minimum Rs. 300 on each transactions
- Late Payment Charges: Nil for less than Rs. 100; Rs. 100 for Rs. 100 to Rs. 500; Rs. 400 for Rs. 501 to Rs. 5000; Rs. 500 for Rs. 5001 to Rs. 10,000; Rs. 700 for Rs. 1,001 and above
- Overlimit Charges: 2.5% of the overlimit amount, subject to min of Rs. 500
- Min Repayment Amount: 5% of Total Outstanding, subject to min Rs. 200
- Cash Advance Limit: 4.% of the credit limit
- Cash Processing Fee: Rs. 100
- Reward Redemption Fee: Rs. 75 per redemption request
- Balance Transfer Processing fee: 2% of transfer amount, subject to minimum of Rs. 250
- Fuel Surcharge: 2.5%, Fuel surcharge waived off for transactions between Rs. 400 to Rs. 5000. Fuel surcharge waiver capped at Rs. 250 per statement cycle.
- Card Replacement fee: Rs. 100
- Foreign Currency Transactions: 3.5% of conversion mark-up fee
Reward Programme
- 3 Reward Points on every Rs 150 spent. 100 Reward Points = 70 air miles. Only retail purchases qualify for Reward Points. Cash advance, fees and other charges do not accrue any reward points.
Reward Rate: Rs. 0.75 for Rs. 100 spent
Intro Bonus
- Welcome Benefit of 1000 Reward Points of worth Rs. 300.
- Spend Rs. 15,000 within first 90 days and get the 1st year fee reversed.
Bonus Offers
- Spend over 5 lac on your card and earn an Air voucher worth Rs. 8,000.
- Spend Rs. 1 Lacs in a year and get next year’s fee waived off.
- Benefit of 1000 reward points worth Rs. 300 on card renewal.
Eligibility
- Age Limit for Salaried Doctors: 21 years to 60 years
- Age Limit for Self Practicing Doctors: 21 years to 65 years