Fees
Annual feeINR 12,500 + GST
Joining feeINR 12,500 + GST
Renewal feeINR 12,500 + GST
Fee waiverAnnual fee reversed on spending INR 15,00,000 in preceding year (excl. rent, wallet, utilities, govt, EMI conversions, insurance, gold/jewellery, fuel)
Spend waiverSpend INR 25,00,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 2,500 (based on amount due)
Forex markup2% + GST
Cash advanceINR 750 + GST (Zero for Burgundy)
Eligibility
Min income (salaried)INR 1,50,000/month
Min income (self-emp.)INR 24,00,000/year
Income requirementIncome Tax Return (ITR) > INR 18 lakh/year
Credit scoreExcellent (760 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Redemption optionsEDGE Rewards/Miles transfers to 23+ airline/hotel partners. Group A: Singapore KrisFlyer, British Airways Club, Air France–KLM Flying Blue, Emirates Skywards, Etihad Guest, Air India Flying Returns, Thai Royal Orchid Plus, Qatar Privilege Club (restored), Finnair Plus (new), Lotusmiles/Vietnam Airlines (new), IHG One Rewards, Qantas, Aeroplan (Air Canada), Sheba Miles. Group B: IndiGo BluChip (added Jun 18, 2026). Redemption fees: ₹99 to redeem on EDGE portal; ₹199 to convert points to airline miles (both eff. Dec 20, 2025). Note: Accor Live Limitless and Marriott Bonvoy removed April 2, 2026.
Welcome bonus15,000 EDGE Rewards Points (worth INR 3,000)
Bonus categoriesTravel, Retail, Entertainment, Utilities
Travel & lounge
Domestic loungeUnlimited domestic lounge visits (primary + add-on cardholders); requires INR 50,000 spend in preceding 3 calendar months (effective 1 May 2024); spend condition waived for first 3 months for new cards; post-DreamFolks via direct bank contract
International loungeUnlimited international lounge access via Priority Pass; 4 complimentary guest visits/year (revised from unlimited, effective 20 Apr 2024)
Lounge conditionsMinimum INR 50,000 spend in preceding 3 calendar months for domestic access (effective 1 May 2024); waived for first 3 months on new card issuance
Travel insuranceINR 40 lakh travel insurance, Medical emergency abroad INR 12 lakh
Lifestyle
Dining benefits15% discount on dining via EazyDiner Prime (up to INR 1,000), 20% via Axis Dining Delights at 4,000+ restaurants
Fuel surcharge1% fuel surcharge waiver (INR 400-INR 4,000), max INR 400-INR 500/month
ComplimentaryClub ITC Culinaire membership, Accor Plus, Club Marriott Asia Pacific, Concierge services
Special offersAnnual milestone rewards on spend achievement, Complimentary EazyDiner Prime renewal
Additional15% Oberoi/Trident Hotels discount, Zero forex for Burgundy (2% for regular)
Credit limit & EMI
EMI optionsYes - SmartEMI with 0% interest
Insurance & protection
Purchase protectionPurchase protection up to INR 15 lakh
Other insuranceAir Accident INR 40 lakh, Personal Accident INR 25 lakh, Trip Cancellation INR 1.5 lakh
Coverage detailsTravel: INR 40 lakh, Medical: INR 12 lakh, Personal Accident: INR 25 lakh