NOVA Credit Card

Annual fee₹12,500Waived on ₹10.0L spend

RewardsEarn 4 Reward Points for every INR 200 spent on purchases anywhere

Forex markup2%Enjoy a lower 2% foreign transaction fee on cross-border purchases

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Welcome benefits

worth ₹12,500

Gift card worth ₹12,500 from Taj Experiences or Luxe Gift Card

Type: Gift Card
Partner: Taj Experiences or Luxe Gift Card

Rewards

Base earn rate

Earn 4 Reward Points for every ₹200 spent on purchases anywhere

Excludes: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Real Estate/Rental, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, EMI

Category	Rate	Cap
Flight Bookings & Hotel Stays	—	—

Milestone benefits

EVERY MILESTONE DESERVES TO BE CELEBRATED With NOVA™, every achievement brings something special your way. Spend INR 3 lakh or more in a calendar quarter and receive a INR 10,000 Gift Card of your choice.

Lounge access

Domestic

12visits / year

DreamFolks lounge programme →

International

12visits / year

Priority Pass lounge programme →

Fees & charges

Joining fee: ₹12,500
Annual / renewal fee: ₹12,500 per year
Annual fee waiver: ₹10,00,000 eligible annual spends
Add-on card fee: Your first two add-on cards come free
Interest rate: 3.99% per month (47.88% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 0%
Payment dishonour: ₹500
Forex markup: Enjoy a lower 2% foreign transaction fee on cross-border purchases
Reward redemption: ₹0 per redemption
Fuel surcharge: 1% waiver, max ₹3,000/cycle

Late payment

12.5% of Total Outstanding Amount, ranges ₹5 – ₹1,300

Features

✓ International usage

Additional features

International lounge guest visits (4 per year)
Airline miles transfer program

No rewards on

Fuel & Auto · Utilities · Insurance · Quasi-Cash · Real Estate/Rental · Wallet/Service Providers · Government Services · Contracted Services · Cash · Miscellaneous · Bills2Pay · EMI