Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Lifetime Free)
Renewal feeNil (Lifetime Free)
Fee waiverN/A - Lifetime Free
Interest rate3.75% per month (45.0% per annum (p.a.))
Late payment15% of Total Amount Due (Min INR 10, Max INR 1,300)
Forex markup3.49%
Eligibility
Min income (salaried)INR 15,000 - INR 25,000 per month (Fi account required)
Income requirementSalaried: INR 15,000/month (indicative; Fi savings account required)
Credit score700
Age rangeAge 18+; Fi Money account holder; Resident Indian
Rewards & cashback
Accelerated rate5% value-back on all weekend spends (online & in-store); 20% off (up to INR 100) on BookMyShow, Amazon, Zepto, Zomato on min INR 500 order/month
Welcome bonus20% off (up to INR 100) on select brands on 1st use (BookMyShow, Amazon, Zepto, Zomato)
Travel & lounge
Domestic loungeLounge access details not publicly available
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
ConciergeFi app integration - smart spend analytics, instant credit
Lifestyle
Dining benefits20% off on Zomato food orders via Fi app
E-commerce offers5% value-back every weekend; 20% off on Amazon, Zepto, Zomato, BookMyShow
AdditionalLifetime free fintech card; weekend spend rewards; Fi app-integrated insights
Credit limit & EMI
Default limitINR 100000
Max limitINR 500000
EMI conversionYes
Balance transferNo
Insurance & protection
Purchase protectionYes — zero liability on unauthorised transactions; purchase protection on eligible spends
Lost card liabilityYes — zero liability on fraud reported within 7 days of card loss or theft
Coverage detailsCard counterfeit/skimming & online fraud protection
Digital & security
ContactlessYes
Virtual cardYes — virtual RuPay credit card available via AU 0101 app
App featuresFi Money App + AU 0101 App; integrated spend analytics
Card controlsBlock/Unblock Card; Enable/Disable International Transactions; Enable/Disable Online Transactions; Set Transaction Limits; Card on/off toggle; EMI conversion; Virtual Card generation
Fraud protectionReal-time SMS and email transaction alerts; AI-based risk monitoring; OTP-based online authentication; Tokenisation (RBI mandated); 24x7 fraud monitoring
Zero liabilityZero liability if fraud reported within 7 days; limited liability between 4-7 days per RBI guidelines
WhatsApp supportYes — WhatsApp Banking available