Fees
Annual feeINR 495 + GST
Joining feeINR 495 + GST
Renewal feeINR 495 + GST
Fee waiverAnnual fee waived if total spends in preceding year ≥ INR 40,000
Interest rate3.5% per month (42% per annum (p.a.))
Late paymentAs per Amex schedule; typically INR 500-INR 1,000 based on outstanding
Forex markup3.5% of transaction amount
Cash advance3.5% of transaction amount
Eligibility
Min income (salaried)INR 35,000 - INR 50,000 (approx. INR 4.5 lakh/year)
Min income (self-emp.)INR 6 - INR 9 lakh/year
Income requirementSalaried: INR 35,000 - INR 50,000 (approx. INR 4.5 lakh/year); Self-employed: INR 6 - INR 9 lakh/year
Credit score700 - 750 (Good)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 10X MR points on Zomato, Ajio, Nykaa, BookMyShow, Uber; 5X on Amazon (capped at 500 pts/month per partner for 10X; 250 pts/month for Amazon)
Cashback %INR 500 cashback as welcome gift on INR 10,000 spend in first 90 days
Cashback capINR 500 one-time welcome cashback; Amazon voucher INR 500 at INR 1.20 lakh, INR 1.80 lakh, INR 2.40 lakh milestones
Redemption optionsGift Vouchers; Merchandise; Statement Credit; Bank's own online redemption store (18 & 24 Karat Gold Collection - Taj, Flipkart, Shoppers Stop)
Points expiryNo Expiry (until card is closed)
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNA - no lounge access on this card
Travel insuranceNo
Hotel/flight offers0% - 5% via Amex Offers
ConciergeNo
Forex waiver3.5% (Standard Rate - no waiver)
Lifestyle
Dining benefitsNo (Amex Offers occasionally)
Dining discountsNo (Amex Offers occasionally)
Fuel surchargeYes - 1% fuel surcharge waiver at petrol pumps
OTT subscriptionsNo
E-commerce offersYes - Amazon 5X points; Flipkart 10X points
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh (profile-based)
Cash withdrawal20%-40% of credit limit
EMI optionsAt Purchase; Post-purchase; Yes - EMI at POS from 14% p.a.; post-purchase EMI available
EMI conversionAt Purchase; Post-purchase
Min EMI amountINR 5,000+
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero Lost Card Liability; emergency card replacement within 48 hours worldwide
Digital & security
ContactlessYes - contactless payments below INR 5,000
Virtual cardYes
App featuresReal-time Spend Alerts; Card Lock/Unlock; View Statements & Due Dates; Convert to EMI; Rewards Tracking & Redemption; Autopay Setup; Raise Service Requests; Secure Login Options
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Set Transaction Limits; Card PIN Reset; Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts; AI-Based Risk Monitoring; OTP for Online Transactions; Tokenization; Zero Liability Guarantee (Online Fraud Protection Guarantee)
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes - via Amex App / WhatsApp