Fees
Annual feeINR 500 + GST
Joining feeINR 500 + GST
Renewal feeINR 500 + GST
Fee waiverAnnual fee reversed on spending INR 2,00,000 in preceding year
Spend waiverSpend INR 2,00,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,200 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 400 + GST
Eligibility
Min income (salaried)INR 15,000/month
Min income (self-emp.)INR 2,00,000/year
Income requirementIncome Tax Return (ITR) > INR 3 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Cashback %25% on Airtel bills (dynamic cap = 2× base cashback); 10% on Airtel Thanks utilities (dynamic cap = 1× base cashback); 10% value credit to Zomato Money / Blinkit wallet / District wallet; 1% on others
Cashback capAirtel services: 2× monthly base cashback (from general/electronics spend that month) — no cashback if zero general spend in the month. Utilities via Airtel Thanks: 1× monthly base cashback. Partner wallets: ₹200 per partner per month; ₹499 minimum order on Zomato & Blinkit. Partner credit is wallet credit (not statement cashback).
Welcome bonusINR 500 Amazon voucher on first transaction
Bonus categoriesAirtel Mobile, Broadband, Utilities, Swiggy, BigBasket, Zomato
Travel & lounge
Domestic loungeNo lounge access (discontinued WEF 12-Apr-2026)
International loungeNo international lounge access
Lounge conditionsN/A - lounge access discontinued April 2026
Travel insuranceINR 8 lakh travel cover
Lifestyle
Dining benefits10% cashback on Swiggy, Zomato via Airtel Thanks (capped INR 500/month)
Fuel surcharge1% fuel surcharge waiver (INR 400-INR 4,000), max INR 500/month
ComplimentaryComplimentary travel insurance, Airtel benefits integration
Special offersMonthly Airtel bonus offers, Partner promotions
AdditionalPartners updated Apr 12, 2026: Swiggy and BigBasket removed; Zomato, Blinkit and District Movies added. Partner rewards credited as partner-app wallet credit, not as statement cashback. Lounge access discontinued (eff. Apr 12, 2026 — already updated).
Credit limit & EMI
EMI optionsYes - SmartEMI
Insurance & protection
Other insuranceDeath cover INR 5 lakh
Coverage detailsTravel: INR 8 lakh, Medical: INR 4 lakh