Fees
Annual feeLifetime Free
Joining feeLifetime Free
Renewal feeLifetime Free
Fee waiverLifetime Free - no fee
Spend waiverLifetime Free
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 200 + GST
Eligibility
Min income (salaried)INR 12,000/month
Min income (self-emp.)INR 1,50,000/year
Income requirementIncome Tax Return (ITR) > INR 2 lakh/year
Credit scoreFair (680 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonus100% cashback on utility bills (up to INR 300)
Bonus categoriesUtilities, Food, Shopping, Entertainment
Travel & lounge
Domestic loungeNo domestic lounge access
International loungeNo international lounge access
Lounge conditionsN/A - no lounge access
Travel insuranceINR 2 lakh travel cover (basic)
Lifestyle
Dining benefits5% cashback on Zomato, 3% on partner restaurants
ComplimentaryComplimentary travel cover for family
Special offersMonthly promotional cashback, Seasonal offers
AdditionalPartner merchant discounts, Monthly cashback coupons
Credit limit & EMI
EMI optionsYes - SmartEMI on retail
Insurance & protection
Other insuranceDeath cover INR 2 lakh
Coverage detailsTravel: INR 2 lakh, Medical: INR 1 lakh