Fees
Annual feeINR 999 + GST
Joining feeINR 999 + GST
Renewal feeINR 999 + GST
Fee waiverAnnual spend of INR 1.5 lakh in previous year
Spend waiverSpend INR 1,00,000 in 12 months
Interest rate3.25% per month (39% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 50,000 - INR 75,000
Min income (self-emp.)INR 6 - INR 9 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 10 pts on travel, dining, international spends
Cashback capCategory-wise caps apply
Redemption optionsStatement Credit, Gift Vouchers, Merchandise
Points expiry2 years
Travel & lounge
Domestic loungeComplimentary domestic lounge on INR 20,000 prior-quarter spend
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers5% - 10%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes
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 rate1% 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