BEST FOR
Included: Individuals holding an account with the Bank who have a source of income and want a no-joining-fee Visa card.
Included: May suit account holders with a source of income who want a Visa card with a contactless EMV chip.
Included: May suit those who want up to 45 days of interest-free credit on purchases.
Included: May suit those who prefer a contactless EMV chip and digital Green PIN activation.
Limitation: Customers who need cash advances above 25% of the limit may wish to compare other cards.
Limitation: Those individuals who do not hold an account with the Bank or have no source of income may wish to compare other cards.
Limitation: Those looking for rewards or lounge access may wish to compare other cards.
Limitation: Those frequent foreign-currency spenders, given the markup of up to 3.5% may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Credit limit starts at ₹20,000 and is up to ₹5,00,000, restricted to 25% of annual income.
Condition: Cash withdrawal limited to 25% of the sanctioned limit; the page shows no daily cash withdrawal limit.
Rewards & real value
What the card earns, and what changes that figure in practice.
Eligibility
Fees & ownership
Benefits & privileges
Caps, exclusions and redemption
Who this card may suit
Figures last checked 31 Oct 2026 against the issuer’s published terms.