Fees
Annual feeINR 0
Joining feeINR 0
Renewal feeINR 0
Fee waiverLifetime Free
Spend waiverLifetime Free
Interest rate2%
Late paymentINR 100
Forex markup3.5% + GST
Cash advanceINR 30/INR 1,000
Eligibility
Min income (salaried)INR 1L/yr
Min income (self-emp.)INR 1L/yr
Credit score550 or above (CIBIL)
Age range18-65
Employment typeBoth
Resident typeIndian
Rewards & cashback
Accelerated rateNo
Redemption optionsCashback, Goods
Points expiry3 Yrs
Travel & lounge
Domestic loungeNo lounge access
International loungeNo lounge access
Lounge conditionsN/A - no lounge access
Insurance coverageYes
Hotel/flight offersPartner
ConciergeNo
Lifestyle
Dining discountsLimited
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersYes
Credit limit & EMI
Default limitINR 10,000-25K
Max limitINR 5L
Cash withdrawal50%
EMI conversionAt Purchase
Min EMI amountINR 1,500+
Balance transferYes
BT interest rateAs per
Insurance & protection
Purchase protectionLimited
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresBasic
Card controlsBlock/Limit
Fraud protectionAlerts
Zero liability3 days
WhatsApp supportYes