Fees
Annual feeINR 1,80,000 + GST
Joining feeINR 1,80,000 + GST
Renewal feeINR 1,80,000 + GST
Fee waiverAnnual fee reversed on spending INR 50,00,000 in preceding year
Spend waiverSpend INR 50,00,000 in 12 months
Interest rate3.60% per month (43.2% per annum (p.a.))
Late paymentINR 100-INR 5,000 (based on amount due)
Forex markupNil
Cash advanceComplimentary
Eligibility
Min income (salaried)INR 5,00,000/month
Min income (self-emp.)INR 60,00,000/year
Income requirementIncome Tax Return (ITR) > INR 50 lakh/year / NRV > INR 75 lakh
Credit scoreExcellent (780 or above (CIBIL))
Age range25-70 years (by invitation only)
Rewards & cashback
Welcome bonusINR 50,000 voucher + 50,000 EDGE Points
Bonus categoriesAll categories (unrestricted)
Travel & lounge
Domestic loungeUnlimited domestic lounge access via direct bank contract (no spend condition, no guest charges)
International loungeUnlimited international lounge access; no guest charges
Lounge conditionsNo spend condition required
Travel insuranceINR 100 lakh travel cover, Medical emergency abroad INR 30 lakh
Lifestyle
Dining benefitsUnlimited 40% discount at EazyDiner Prime (up to INR 1,500), 40% Axis Dining Delights
Fuel surchargeZero surcharge on all fuel transactions (INR 10,000+ per month possible)
ComplimentaryPersonal Concierge, Event booking, Dining reservations, Travel planning, Gift delivery
Special offersMonthly concierge allowance, Annual renewal bonus, Milestone achievements
AdditionalBespoke lifestyle benefits, Zero forex markup (0%), Complimentary hotel upgrades
Credit limit & EMI
EMI optionsYes - Premium SmartEMI with 0% interest
Insurance & protection
Purchase protectionPurchase protection up to INR 50 lakh
Other insuranceAir Accident INR 100 lakh, Personal Accident INR 75 lakh, Trip Cancellation INR 5 lakh
Coverage detailsTravel: INR 100 lakh, Medical: INR 30 lakh, Personal Accident: INR 75 lakh, Baggage: INR 10 lakh