PremiumMidRuPay✦ Poonawalla Fincorp

Poonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card

Lifetime-free rewards without the annual commitment

Annual feeLifetime Free

RewardsEarn 2.5 Reward points on every ₹100 on Ecommerce transactions

Forex markup3.5%

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Welcome benefits

3000 bonus reward points on spending ₹4,00,000 or above within one year from the date of issuance

Rewards

Base earn rate

Earn 2.5 Reward points on every ₹100 on Ecommerce transactions

Excludes: Travel, Airline, Select Merchant Categories, Fuel Transactions

Category	Rate	Cap
Ecommerce	—	—
Upi	—	—
Pos	—	—
Travel	—	—
Select Merchant Categories	—	—

Redemption value

IndusMoments: —Airline miles on Krisflyer: —Cash Credit: —Pay with Rewards: —

• Please note the Rewards Points validity will be for 24 months from the points credit date.
• Redemption fee: ₹100

Milestone benefits

Milestone Benefit: Earn 3,000 bonus reward points on spending ₹ 4,00,000 or above within one year from the date of issuance of your credit card. Please click here for detailed T&Cs on this benefit

Fees & charges

Joining fee: ₹0 (Free)
Annual / renewal fee: Lifetime free
Interest rate: 3.95% per month (47.4% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹300
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹250
Forex markup: 3.50%
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns

View official MITC →

Insurance covers

Fraud liability

Total Protect covers you for: Unauthorised transactions in case of loss/theft of card: We provide an insurance cover up to 48 hours prior to you reporting the loss of your card. Counterfeit fraud: There is a possibility of your card or card details to be stolen and misused to produce counterfeit cards. We offer you insurance to protect you against such incidents.