• Pay-by-Transaction billing - offering 45 day interest free credit for each transaction
• 5% cash back on supermarkets and departmental store purchases
• Now budget, review and manage your expenses with emPower – online financial planning tool
• Free insurance cover
• Global customer assistance for emergencies
• Low interest charges

Gross Income per Annum.

• For Salaried: Minimum annual gross income of Rs 3 lacs
• For Self Employed: Minimum annual gross income of Rs 4 lacs

• Most Important Terms & Conditions
• Credit Card Terms & Conditions
• Fair Practice Code
• Bank's Code of Commitment
• Terms and Conditions of Gold Credit Card Offers

• ECS Form
• Auto Debit Form
• Cardholder Declaration Form
• Drop Box Locations

• Apply

• Click here to register for Verified by VISA service.

• Never reveal or give a photocopy of the reverse side of your Credit Card number/ATM PIN/expiry date/ CVV and personal details based on any email or call soliciting such information.
• In case you wish to surrender your Card, ensure it is cut into four pieces - do not leave the magnetic strip intact.
• Beware of promotional and lottery schemes that require all details of your Card or account number- always check the authenticity of such schemes. As a policy the Bank does not solicit customer information such as the ones listed below through email or embedded hyperlinks :
  • Card numbers / account numbers / customer ID numbers
  • Credit Card PIN / ATM PIN
  • Netbanking or Phonebanking passwords
• Beware of advertisements and strictly refrain from people who promise to lend you cash against the Credit Card.
• Avoid using your Credit Card on websites from cyber cafés and public computers . Confidential information can be compromised and misused after you leave.Always access secured sites with the address "https" in the browser and look out for the security padlock icon below.
• Update your browser ,operating system and anti virus software on a regular basis. Use a personal firewall and update it regularly to help protect your computer, its contents and your personal details from being compromised.
• Do not handover your Card and PIN to anyone, not even a bank staff.
• Never leave your Credit Card unattended.
• Do not share your Card with anyone else.
• Always keep your Credit Card in the same place in your wallet - you will notice it immediately in case it is missing. Carry only the cards that you absolutely need.
• Never keep your Credit Card and your ATM PIN together.
• Do not expose your Card to direct sunlight, esp cially the magnetic strip.
• Ensure transactions on your card are done in your presence and remember to collect your card after every ATM transaction or purchase.
• Make sure your card is returned to you promptly and check that it is your card.
• Any stationery that has your card number or PIN written on it should be shredded. Memorise your passwords and PINs.
• Use different passwords and PINS for the ATM, Internet, credit cards and phone banking. Alter your PINs and passwords on a frequent basis.
• Do not disclose any sensitive information such as your credit limit, date of birth or transactions etc to anyone.
• Keep card numbers and a card statement available for easy reference along with the call centre numbers. It will help you immediately report a loss of card.
• Subscribe for SMS alerts for transactions on your card.

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