Fees
Annual feeINR 250 (primary); INR 150 (add-on)
Joining feeINR 0
Renewal feeINR 250 (primary); INR 150 (add-on)
Fee waiverRenewal fee waived on INR 50,000 spend in any calendar quarter
Interest rate2.0% per month (24.0% per annum (p.a.))
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 (≈INR 3 lakh+ p.a.)
Min income (self-emp.)INR 2.5 - INR 4 lakh/year (approx)
Income requirementSalaried: INR 20,000 - INR 35,000 (≈INR 3 lakh+ p.a.); Self-employed: INR 2.5 - INR 4 lakh/year (approx)
Credit score700+ (CIBIL 700 or above)
Age range21 to 60
Employment typeBoth (CASA account holder ≥ 1 year)
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo (everyday-use card)
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 — personal accident (death) cover INR 2,00,000 via RuPay
Hotel/flight offers0% - 5% (periodic RuPay offers)
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining benefitsPeriodic RuPay offers
Dining discountsPeriodic RuPay offers
Fuel surchargeYes — fuel surcharge waiver (subject to cap)
OTT subscriptionsNo
E-commerce offersNo (general RuPay offers)
Credit limit & EMI
Default limitINR 25,000 - INR 75,000 (profile based)
Max limitProfile based (bank discretion)
Cash withdrawalAs per TMB policy
EMI optionsAt purchase / post-purchase; Yes — EMI on transactions ≥ INR 5,000 in eligible categories
EMI conversionAt purchase / post-purchase
Min EMI amountINR 5,000+
Balance transferAs per bank policy
BT interest rateAs per offer
Insurance & protection
Purchase protectionNo
Lost card liabilityYes — lost-card liability + report to block
Coverage detailsAir/Personal Accident Cover (INR 2,00,000)
Digital & security
ContactlessYes (RuPay contactless + UPI tap/QR)
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)
WhatsApp supportNA (not advertised for credit card)