Fees
Annual feeINR 1,499 + GST
Joining feeINR 1,499 + GST
Renewal feeINR 1,499 + GST
Fee waiverAnnual spend of INR 3 lakh in previous year
Spend waiverSpend INR 1,50,000 in 12 months
Interest rate3.25% per month (39% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup1%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 35,000 - INR 50,000
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 3 Miles per INR 100 on Etihad; bonus miles on monthly/quarterly/annual milestones
Cashback capMilestone bonus miles apply
Redemption optionsAir Miles / Airline Conversion (Etihad Guest)
Points expiry3 Years
Travel & lounge
Domestic lounge8 visits/year (2 per quarter) domestic
International lounge4 visits/year (1 per quarter) international
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers5% - 10%
ConciergeNo
Forex waiver1.0% or Lower
Lifestyle
Dining discountsNo
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate0% - 0.75% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Rewards Tracking & Redemption, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes