MILESTONE BENEFIT ON REWARDS POINTS: TERMS & CONDITIONS

• Enjoy 3,000 Reward Points on spending ₹4,00,000 annually in an anniversary year
• Only settled transactions successfully posted to the cardholders account would be considered for this milestone benefit
• If the card is under block status, it will not receive reward points under this milestone benefit
• The reward points will be credited within 45 days post completion of 1 year
• Spends on Rent will be included in this Milestone Benefit calculation. Spends on select merchant categories (Utilities, Government Payments, Education fees, Insurance Premium Payments) will be excluded from this Milestone Benefit calculation.
• ATM Cash withdrawals, EMIs, Fees, Interest, and Charges will not be considered for this benefit
• Anniversary year will be counted from the date of card onboarding for new customers 
• Anniversary year will be counted from the date of card upgrade/transfer for existing customers