Fees
Annual feeINR 3,000 + GST
Joining feeINR 1,000 + GST
Renewal feeINR 1,000 + GST
Fee waiverAnnual fee reversed on spending INR 1,50,000 in preceding year
Spend waiverSpend INR 1,50,000 in 12 months
Interest rate3.60% per month (43.2% per annum (p.a.))
Late paymentINR 100-INR 1,400 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 500 + GST
Eligibility
Min income (salaried)INR 50,000/month
Min income (self-emp.)INR 6,00,000/year
Income requirementIncome Tax Return (ITR) > INR 4.5 lakh/year
Credit scoreGood (710 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonus5,000 EDGE Miles on first transaction
Bonus categoriesFlight bookings, Hotels, Travel insurance, Airport transfers
Travel & lounge
Domestic loungeUp to 32 complimentary domestic lounge visits/year (8/quarter); direct bank contract post-DreamFolks
International loungeUp to 8 complimentary international lounge visits/year via Priority Pass or DragonPass (tier-based)
Lounge conditionsNo spend condition (tier based on annual spend determines total visits)
Travel insuranceINR 10 lakh travel protection on partner airlines
Lifestyle
Dining benefits10% discount on select airline partner restaurants
Fuel surcharge3% fuel surcharge waiver (capped INR 400/month)
ComplimentaryTravel protection on bookings, 24x7 travel assistance
Special offersBonus miles on spend milestones, Airline partnerships
AdditionalAirline partner exclusive offers, Travel deals
Credit limit & EMI
EMI optionsYes - Equated Monthly Instalment (EMI) on flight/hotel bookings
Insurance & protection
Purchase protectionTravel protection up to INR 2.5 lakh
Other insuranceFlight delay cover INR 50,000, Medical emergency INR 5 lakh
Coverage detailsTravel: INR 10 lakh, Baggage: INR 1.5 lakh, Medical: INR 6 lakh