Fees
Annual feeINR 3,500 + GST
Joining feeINR 6,500 + GST
Renewal feeINR 3,500 + GST
Fee waiverAnnual spend of INR 6 lakh in previous year
Spend waiverSpend INR 3,50,000 in 12 months
Interest rate3.40% per month (40.8% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 50,000 - INR 75,000
Min income (self-emp.)INR 6 - INR 9 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 2% on Adani ecosystem; hotel voucher INR 2,000 & holiday voucher on joining; 4 domestic lounge + premium at Adani airports
Cashback capAdani ecosystem spending capped per category
Redemption optionsFlights & Hotels (Adani One), Gift Vouchers
Points expiry2 Years
Travel & lounge
Domestic lounge4 visits/year + premium at Adani airports
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers5% - 10%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsNo
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersYes
AdditionalRewards earned on first INR 10,000 of eligible spend per month only (cap added Jan–Feb 2026).
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Rewards Tracking & Redemption, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization, OTP, Instant Card Block
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes