Fees
Annual feeINR 5,000 + GST
Joining feeINR 2,000 + GST
Renewal feeINR 2,000 + GST
Fee waiverAnnual fee reversed on spending INR 2,50,000 in preceding year
Spend waiverSpend INR 2,50,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,500 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 600 + GST
Eligibility
Min income (salaried)INR 50,000/month
Min income (self-emp.)INR 6,00,000/year
Income requirementIncome Tax Return (ITR) > INR 6 lakh/year
Credit scoreGood to Excellent (720 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonus10,000 EDGE Miles on first transaction
Bonus categoriesAirline bookings, Travel services, Hotels, Entertainment
Travel & lounge
Domestic loungeTier-based: 6 visits (Silver, spend <INR 3L/year) / 12 visits (Gold, INR 3L-INR 7.5L/year) / 18 visits (Platinum, >INR 7.5L/year); direct bank contract post-DreamFolks
International loungeTier-based: 4 visits (Silver) / 8 visits (Gold) / 12 visits (Platinum) via Priority Pass
Lounge conditionsAnnual spend-based tier: Silver (<INR 3L), Gold (INR 3L-INR 7.5L), Platinum (>INR 7.5L); tier determines number of domestic and international visits
Travel insuranceINR 12 lakh travel cover on partner airlines
Lifestyle
Dining benefits12% discount on dining at airline partner restaurants
Fuel surcharge5% fuel surcharge waiver (capped INR 500/month)
ComplimentaryPriority Pass membership, 24x7 travel assistance, Concierge services
Special offersAirline upgrade miles, Partnership bonuses, Elite tier benefits
AdditionalExclusive airline partner offers, Upgrade privileges
Credit limit & EMI
EMI optionsYes - Airline Equated Monthly Instalment (EMI) with premium rates
Insurance & protection
Purchase protectionTravel protection up to INR 2.5 lakh
Other insuranceFlight protection, Medical emergency INR 6 lakh
Coverage detailsTravel: INR 12 lakh, Baggage: INR 1.5 lakh, Medical: INR 6 lakh, Accidental: INR 20 lakh