Fees
Annual feeINR 0
Joining feeINR 0
Renewal feeINR 0
Fee waiverLifetime
Spend waiverSpend INR 1,00,000 in 12 months
Interest rate2%
Late paymentINR 100-1.3K
Forex markup3.5% + GST
Cash advanceINR 30/INR 1,000
Eligibility
Min income (salaried)INR 2L
Min income (self-emp.)INR 2L
Credit score650 or above (CIBIL)
Age range23-65
Employment typeBoth
Resident typeIndian
Rewards & cashback
Accelerated rateYes
Redemption optionsCashback, Flights
Points expiry3 Yrs
Travel & lounge
Domestic lounge2 complimentary visits/year via RuPay network
International loungeNo international lounge access
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers15-25%
ConciergeYes
Lifestyle
Dining discountsPremium
Fuel surcharge2.50%
OTT subscriptionsLimited
E-commerce offersYes
Credit limit & EMI
Default limitINR 50,000-1.5L
Max limitINR 50L
Cash withdrawal50%
EMI conversionInstant
Min EMI amountINR 5,000+
Balance transferYes
BT interest rate0.75-1%
Insurance & protection
Purchase protectionINR 5L
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresPremium
Card controlsFull+Geo
Fraud protectionAI + Biometrics
Zero liability3 days
WhatsApp supportYes