Fees
Annual feeINR 2,999 + GST
Joining feeINR 2,999 + GST
Renewal feeINR 2,999 + GST
Fee waiverAnnual spend of INR 5 lakh in previous year
Spend waiverSpend INR 3,00,000 in 12 months
Interest rate3.25% per month (39% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup0%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 75,000 - INR 1,25,000
Min income (self-emp.)INR 9 - INR 12 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 6 Miles per INR 100 on Etihad; bonus miles on monthly/quarterly/annual milestones; elite tier upgrades
Cashback capMilestone bonus miles on higher spend thresholds
Redemption optionsAir Miles / Airline Conversion (Etihad Guest), Flights & Hotels
Points expiry3 Years
Travel & lounge
Domestic lounge12 visits/year (3 per quarter) domestic, no spend condition
International lounge8 international lounge visits/year (2 per quarter) via DreamFolks — no spend condition
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers15% - 25%
ConciergeYes
Forex waiver0% (Full Waiver)
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 5 - INR 10 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Rewards Tracking & Redemption, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization (RBI Mandated), OTP for Online Transactions, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes