Indian Gold VISA Credit Card
Citi bank
Last updated: Feb 03, 2026
₹999
₹999
1.99%
5 visits/yr
Contents
A mid-tier lifestyle and rewards credit card designed for everyday use with a focus on dining, shopping and fuel. The Indian Gold VISA provides steady reward accrual, a modest welcome benefit, complimentary domestic lounge access (limited), and low forex markup compared with many peers. Best for cardholders who want balanced rewards without steep fees.
Features of Indian Gold VISA Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout for large spends
Flexible repayment options
Comparable to industry EMI solutions; interest/fees per bank policy
Spend Analyzer
Monthly spend categorisation & statements
Helps with budgeting and tracking
Similar to other bank analytics tools; useful for expense management
Rewards Structure of Indian Gold VISA Credit Card
Dining
acceleratedRestaurants only (in India)
Higher earn on dining and food deliveries.
Shopping
baseAll retail and e-commerce merchants
Standard earn rate on online and offline shopping.
Fuel
basePetrol pumps (excluding fuel surcharge waived spends)
Fuel usually earns base points; fuel surcharge waiver subject to merchant rules.
Other
baseAll other spends
Standard earn on utilities, groceries and wallets unless excluded by bank policy.
Milestones of Indian Gold VISA Credit Card
Quarterly Milestone
₹50,000 : ₹500 cashback credited quarterly
Annual Milestone
₹2,00,000 : Bonus 5,000 reward points or travel voucher (subject to Axis conversion rules)
Fees & Charges of Indian Gold VISA Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on ₹1,00,000 annual spend or on Axis Bank relationship criteria post-migration.
Fee Explanation Standard interest and charges apply as per Axis Bank's Schedule of Fees after migration; late fees apply on overdue payments.
Detailed Explanation of Indian Gold VISA Credit Card Fees
Annual Fee: 999 (yearly)
Waived on ₹1,00,000 annual spend or Axis relationship criteria.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per cash advance.
Foreign Transaction Markup: 1.99% (transaction)
Applied on international spends and forex conversions.
Lounge Access Benefits with Indian Gold VISA Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary visits for primary cardholder at select domestic lounges; visit limits and lounge list subject to bank communication.
international Lounges
silverVisits per year: 1
Guest access: No
Priority Pass or other international lounge access is limited and may require separate enrollment and fees.
Insurance Coverage with Indian Gold VISA Credit Card
Travel Insurance
₹5,00,000Primary card used to book travel; terms and limits per Axis (post-migration).
Purchase Protection
₹25,000Claims within 90 days of purchase; subject to proof of purchase and T&Cs.
Additional Features of Indian Gold VISA Credit Card
Contactless Payments
Tap-and-pay enabled for fast in-store transactions
Add-on Cards
Up to 3 add-on cards
Add-on issuance subject to primary cardholder consent and verification.
Welcome Bonus with Indian Gold VISA Credit Card
Welcome Bonus: 1,500 Reward Points
Bonus Conditions: Valid for new-to-product customers; bonus credited after qualifying first transaction and subject to migration conversion rules.
Application Process for Indian Gold VISA Credit Card
Processing Time
5-10 business days (subject to verification and migration status)
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Axis Bank/Citi-branded migration portal or Finanjo portal
Upload KYC and income documents
Receive verification call and digital agreement
Card dispatched within 7-10 business days (subject to verification and migration status)
Required Documents for Indian Gold VISA Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Indian Gold VISA Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India via Visa network
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Indian Gold VISA Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar; Indian resident; subject to standard KYC and credit checks.
How Approval Is Decided
- Minimum income ₹25,000/month for salaried applicants
- Indian resident with valid PAN and Aadhaar
- Credit score above 700 (bank discretion)
Pros of Indian Gold VISA Credit Card
- Balanced reward structure for everyday spends
- Complimentary domestic lounge visits
- Reasonable joining and renewal fees with clear waiver criteria
Cons of Indian Gold VISA Credit Card
- Limited/conditional international lounge access
- Rewards on utilities, rent and wallet loads often excluded or lower
- Benefits and program details depend on Axis Bank conversion post-Citi migration
Frequently Asked Questions about Indian Gold VISA Credit Card
Is there a joining fee?
Yes — ₹999 joining fee. The fee is commonly waived if you meet Axis Bank’s relationship or spend criteria in the first year.
What is the welcome bonus?
1,500 bonus reward points on first spend of ₹1,000 within 60 days (terms apply; subject to migration rules).
How can I get the annual fee waiver?
The annual fee (₹999) is typically waived if annual spends exceed ₹1,00,000 or if Axis Bank relationship criteria are met after the Citi-to-Axis migration.
Does this card have international acceptance?
Yes — Visa network provides wide international acceptance; foreign transaction markup of 1.99% applies.
Are Citi-branded cardholders affected by the migration?
Yes — Citigroup completed sale of India consumer business to Axis Bank (effective March 1, 2023) and credit-card relationships were migrated to Axis Bank (completed by July 15, 2024). Benefits and reward balances were converted as per Axis migration FAQs.
What documents are required to apply?
PAN and Aadhaar for KYC, address proof, and income proof (payslip/ITR) for salaried/self-employed applicants.
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