Fees
Annual feeINR 1,000
Joining feeINR 0
Renewal feeINR 1,000
Fee waiverMin INR 1L
Spend waiverSpend INR 2,00,000 in 12 months
Interest rate2.50%
Late paymentINR 100-1.3K
Forex markup3%
Cash advance3%
Eligibility
Min income (salaried)INR 10L
Min income (self-emp.)INR 10L
Credit score750 or above (CIBIL)
Age range25-70
Employment typeBoth
Resident typeIndian
Rewards & cashback
Accelerated rateYes
Cashback capUnlimited
Redemption optionsFlights, Hotels
Points expiryNo Expiry
Travel & lounge
Domestic loungeComplimentary domestic lounge access (Visa/Mastercard Platinum network)
International loungeLimited via Visa/Mastercard network at select airports
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers20-40%
ConciergePremium
Forex waiverFull
Lifestyle
Dining discountsLuxury
Fuel surcharge2.50%
OTT subscriptionsMultiple
E-commerce offersExclusive
Credit limit & EMI
Default limitINR 5-10L
Max limitINR 50L+
Cash withdrawal50%
EMI conversionInstant
Min EMI amountINR 5,000+
Balance transferYes
BT interest rate0.5-0.75%
Insurance & protection
Purchase protectionComprehensive
Lost card liabilityYes (INR 0)
Digital & security
ContactlessYes
Virtual cardYes
App featuresPremium+
Card controlsFull+Adv
Fraud protectionAdvanced AI
Zero liability3 days
WhatsApp supportYes