Fees
Annual feeINR 500 + GST
Joining feeINR 500 + GST (Lifetime Free)
Renewal feeINR 500 + GST
Fee waiverAnnual fee reversed on spending INR 1,50,000 in preceding year
Spend waiverSpend INR 1,50,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 800 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 250 + GST
Eligibility
Min income (salaried)INR 15,000/month
Min income (self-emp.)INR 2,00,000/year
Income requirementIncome Tax Return (ITR) > INR 2.5 lakh/year
Credit scoreFair (680 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonusINR 1,000 cashback on first purchase
Bonus categoriesFood delivery, Wellness, Entertainment, Shopping
Travel & lounge
Domestic lounge1 complimentary domestic lounge visit/quarter (spend-linked)
International loungeNo international lounge access
Lounge conditionsSpend-based (quarterly); specific threshold applies
Travel insuranceINR 3 lakh travel cover
Lifestyle
Dining benefits15% discount on Swiggy (capped), 5% on partner dining
Fuel surcharge2% fuel surcharge waiver
ComplimentaryComplimentary wellness program access
Special offersQuarterly promotional offers, Weekly deals
AdditionalSwiggy exclusive offers, Partner merchant discounts
Credit limit & EMI
EMI optionsYes - SmartEMI
Insurance & protection
Purchase protectionBasic purchase protection
Other insuranceDeath cover INR 3 lakh
Coverage detailsTravel: INR 3 lakh, Medical: INR 1.5 lakh