Free@18

Currently there is a Free@18 feature in our Credit Cards where you can request for Annual Fee waiver for a year, based on 18 retail transactions in the 12 months prior to your Annual Fee Date where the Rewards Points earned from those 18 transactions are also expired. This feature will be discontinued with effect from February 01 2012, and you will be able to claim your Annual Fee Reversal against the Free@18 offer up to March 31 2012 only if your Card’s Annual Fee has already been levied.

Going forward, you can use your 360º Reward Points to get either 50% or 100% waiver on your Card’s Annual Fee, irrespective of the number of transactions.