Dining Benefits
- Earn 1% ZCoins on spends at Zomato
- Get 10% off at McDonald’s
Fees
Joining Fee
Not Applicable
Free
Lifetime Free
Annual Fee
Not Applicable
Free
Lifetime Free
Eligibility
Age
18-60 years
Salary
0 LPA
Credit Score
0+
Bank Fee Structure
Forex Markup
2.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (2.49%): ₹100 → ₹2.49 ₹1,000 → ₹24.90 ₹10,000 → ₹249 ₹1,00,000 → ₹2,490
2.49%
Finance Charges (APR)
Finance charges of 3.5% per month (42% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.5%
ATM Withdrawal
3.5% of the withdrawn amount is charged on cash advances using the credit
3.5%
Reward Redemption
No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge
A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment
A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment
No cheque payment fee is charged
Not Applicable
Cash Payment
No Cash payment fee is charged
Not Applicable
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 – ₹1000 | ₹100 |
| ₹1001 – ₹10000 | ₹500 |
| ₹10001 and above | ₹750 |
Late Payment Fee of ₹299 + GST is charged if the Minimum Amount Due is not paid within 3 days after the payment due date. This fee is levied on the outstanding balance and is in addition to applicable interest charges
Reward Exclusions
Terms & Conditions
- https://www.zetapp.in/magnet/mitc.html
Full charges and terms: Bank MITC / Terms