Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Lifetime Free)
Renewal feeNil (Lifetime Free)
Fee waiverLifetime Free - no condition
Spend waiverLifetime Free
Interest rate3.40% per month (40.8% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup1.99%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 20,000 - INR 35,000
Min income (self-emp.)INR 2.5 - INR 4 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 5% on Amazon (Prime members); 3% on partner brands like Swiggy, BookMyShow, etc.
Cashback %5%
Cashback capNo cap on Amazon; INR 2,500/month combined cap on cashback
Redemption optionsCashback (direct) via Amazon Pay balance
Points expiryNo Expiry
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver1.5% - 2.0%
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 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate0% - 0.75% 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