What is MITC?

MITC means Most Important Terms and Conditions—the bank document that sets your credit-card fees, interest, limits, and rules. Here is what it covers and how to read it.

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Visa Cards Tiers

How Visa’s consumer credit-card tiers stack—Traditional, Signature, and Infinite—what network benefits usually mean, and how to read your Indian issuer’s MITC.

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Mastercard Cards Tiers

How Mastercard’s India credit-card tiers stack—from Standard and Platinum to World, World Elite, and World Legend—and how to read your issuer’s MITC.

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Club ITC

A complete guide to joining Club ITC, earning Green Points, climbing elite tiers, using Culinaire, and redeeming stays.

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Marriott Bonvoy

A complete guide to joining Marriott Bonvoy, earning points, climbing elite status, and redeeming award nights.

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World of Hyatt

A complete guide to joining World of Hyatt, earning points when card transfers are scarce, climbing elite status, and redeeming award nights.

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IHG One Rewards

A complete guide to joining IHG One Rewards, earning points, climbing elite tiers, using Milestones, and redeeming award nights.

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Air India Maharaja Club

A complete guide to joining Maharaja Club, earning points, climbing elite status, using Star Alliance benefits, and redeeming award flights.

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Air Canada Aeroplan

A complete guide to joining Aeroplan, earning points, climbing elite status, using stopovers, and redeeming Star Alliance awards.

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IndiGo BluChips

A complete guide to joining IndiGo BluChips, earning on flights and co-brand cards, climbing tiers, and redeeming IndiGo travel.

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