Fees
Annual feeNIL (no joining/annual fee)
Joining feeINR 0
Renewal feeNIL (no joining/annual fee)
Fee waiverNot applicable — no annual fee
Interest rate~2% p.m. (24% p.a.; per TMB schedule)
Late paymentAs per TMB schedule of charges
Forex markup3.50%
Cash advanceAs per TMB schedule
Eligibility
Min income (salaried)INR 20,000 - INR 35,000 (approx)
Min income (self-emp.)INR 2.5 - INR 4 lakh/year (approx)
Income requirementSalaried: INR 20,000 - INR 35,000 (approx); Self-employed: INR 2.5 - INR 4 lakh/year (approx)
Credit score700 - 750
Age range21 to 60
Employment typeBoth (CASA holder)
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Redemption optionsGift vouchers / catalogue (TMB rewards)
Points expiryAs per TMB rewards policy
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceYes — complimentary insurance cover (as per variant)
Hotel/flight offers0% - 5% (Mastercard offers)
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining benefitsPeriodic Mastercard offers
Dining discountsPeriodic Mastercard offers
Fuel surchargeYes — fuel surcharge waiver (subject to cap)
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 25,000 - INR 75,000 (flexible; profile based)
Max limitProfile based (bank discretion)
Cash withdrawalAs per TMB policy
EMI optionsAt purchase / post-purchase; Yes — purchase EMI
EMI conversionAt purchase / post-purchase
Min EMI amountAs per scheme
Balance transferAs per bank policy
BT interest rateAs per offer
Insurance & protection
Purchase protectionNo
Lost card liabilityYes — lost-card liability + report to block
Coverage detailsPersonal Accident / Lost-card cover (as applicable)
Digital & security
ContactlessYes
App featuresTMB mobile/net banking + credit-card portal: statements, due dates, limits, block/unblock
Card controlsBlock/unblock; toggle international/online; set limits — via portal/branch
Fraud protectionReal-time transaction alerts; OTP for online transactions; Tokenization (RBI mandated); suspicious-transaction blocking; instant card block
Zero liabilityZero liability if fraud reported within 3 working days; limited liability if reported within 4-7 working days; full liability if reporting delayed beyond 7 days without valid reason (per RBI)