Fees
Annual feeINR 3,000 + GST
Joining feeINR 3,000 + GST
Renewal feeINR 3,000 + GST
Fee waiverAnnual fee reversed on spending INR 3,00,000 in preceding year
Spend waiverSpend INR 3,00,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 500 + GST
Eligibility
Min income (salaried)INR 75,000/month
Min income (self-emp.)INR 10,00,000/year
Income requirementIncome Tax Return (ITR) > INR 5 lakh/year
Credit scoreGood (720 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonus10,000 EDGE Rewards Points (worth INR 2,000)
Bonus categoriesRetail, Shopping, Dining, Travel
Travel & lounge
Domestic lounge2 complimentary visits/quarter; requires minimum INR 50,000 spend in preceding calendar quarter
International loungeUp to 12 visits/year via Priority Pass (renews on INR 3L annual spend)
Lounge conditionsMinimum INR 50,000 spend in preceding calendar quarter to unlock 2 domestic visits
Travel insuranceINR 18 lakh travel insurance, Medical emergency abroad INR 7 lakh
Lifestyle
Dining benefits15% discount on dining (up to INR 500), 20% at partner restaurants; BOGO movie: 2nd ticket 100% off up to INR 250 TWICE/month via District app (code AXISSELECT); INR 500/mo BigBasket; INR 200 Swiggy; WEF 20-Jun-2025
Fuel surcharge1% fuel surcharge waiver (INR 400-INR 4,000), max INR 400/month
ComplimentaryComplimentary travel insurance, Basic concierge services
Special offersMonthly bonus offers, Quarterly lounge access eligibility
AdditionalMovie Buy One Get One (BOGO) offer on District app (up to INR 250 off), BigBasket discounts (INR 500 off)
Credit limit & EMI
EMI optionsYes - SmartEMI
Insurance & protection
Purchase protectionPurchase protection up to INR 1 lakh
Other insuranceAir Accident INR 18 lakh, Personal Accident INR 12 lakh
Coverage detailsTravel: INR 18 lakh, Medical: INR 7 lakh, Baggage: INR 1 lakh