Effective 1st April 2026, a fee of 1% of total spends if cumulative spends exceed ₹10,000 in a statement cycle will be applicable on select travel transactions. (Applicable for Travel Merchant Category Codes (MCC): 4111 - Local and suburban commuter passenger transportation, including ferries, 4131 - Bus lines, 4784 - Tolls and bridge fees).

Effective 1st April 2026, a fee of 1% of total spends if cumulative spends exceed ₹20,000 in a statement cycle will be applicable on select travel transactions (Passenger Railways). (Applicable for Travel Merchant Category Codes (MCC): 4112).

Effective 1st April 2026, a fee of 1% of transaction on transactions of ₹5,000 or more will be applicable on wallet-load transactions. (Applicable for Merchant Category Code (MCC) – 6540).

Terms and Conditions

1. Product Benefit Terms and Conditions
2. Key Fact Statement
3. MITC

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4. Cardmember Agreement
5. Terms of Service
6. Airport Lounge access T&C
7. EMI T&C