Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0 (Zero Joining Fee)
Renewal feeINR 0 (Lifetime Free)
Fee waiverLifetime free
Spend waiverLifetime Free
Interest rateUp to 3.5% p.m.
Late paymentSlab-based as per MITC
Forex markup0% (Zero Forex Markup)
Cash advance2.5% or INR 500, whichever higher
Eligibility
Min income (salaried)INR 35,000 - INR 50,000/month (premium lifestyle card)
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 - 3% on top 20+ partner brands
Cashback %3% on top brands; 1% base
Cashback capINR 3,000 - INR 5,000/month (indicative)
Redemption optionsCashback (direct), Gift Vouchers (via Fi App)
Points expiryNo Expiry
Travel & lounge
Domestic lounge1-2 visits/year (complimentary per Fi terms)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offersVia Fi App & Visa partner offers
ConciergeNo
Forex waiver0% (Full Waiver)
Lifestyle
Dining discountsYes - dining discounts via Fi App partner restaurants; free movie tickets monthly
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersYes - 3% on 20+ top brands; free movie tickets monthly; welcome benefits INR 4,250
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 lakh
Cash withdrawal20% - 40% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferNo
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes - instant on Fi App
App featuresReal-time Alerts, Card Lock/Unlock, Cashback Tracker, Brand Offers Dashboard, Free Movie Tickets Tracker, Rewards Dashboard, Spend Analyzer, Autopay, Secure Login (Biometric)
Card controlsBlock/Unblock, International, Online, Contactless, Limits, PIN Reset
Fraud protectionAI-Based Risk Monitoring, Real-time Alerts, Tokenization, OTP, Instant Block
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes