Fees
Annual feeINR 2,499 + GST
Joining feeINR 2,499 + GST
Renewal feeINR 2,499 + GST
Fee waiverAnnual spend of INR 2.5 lakh in previous year
Spend waiverSpend INR 5,00,000 in 12 months
Interest rate3.25% per month (39% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup2%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 60,000 - INR 75,000 (INR 7.2 lakh/year)
Min income (self-emp.)INR 7 - INR 9 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 15 pts on dining, travel, intl.; Womens health package + memberships worth up to Rs.31,652
Cashback capCategory-wise caps apply
Redemption optionsStatement Credit, Gift Vouchers, Merchandise
Points expiry2 years
Travel & lounge
Domestic loungeUnlimited domestic lounge access (requires INR 40,000 spend in previous quarter)
International lounge0 visits (no lounge benefit)
Lounge conditionsYes
Insurance coverageYes
Hotel/flight offers10% - 15%
ConciergeYes
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsYes
E-commerce offersYes
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, Convert to Equated Monthly Instalment (EMI), 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, Tokenization (RBI Mandated), OTP for Online Transactions, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes