Fees
Annual feeINR 0
Joining feeINR 0
Renewal feeINR 0
Fee waiverLifetime
Spend waiverLifetime Free (secured)
Interest rate2%
Late paymentINR 100+
Forex markup3.5% + GST
Cash advanceINR 30/INR 1,000
Eligibility
Min income (salaried)INR 0 (Fixed Deposit (FD)-backed; minimum FD required)
Min income (self-emp.)INR 0 (Fixed Deposit (FD)-backed; minimum FD required)
Income requirementFixed Deposit (FD) of minimum INR 10,000 required as collateral; no income proof needed
Credit scoreNot required (Fixed Deposit (FD)-backed secured card)
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 offers10-15%
ConciergeBasic
Lifestyle
Dining discountsLimited
Fuel surcharge2.50%
OTT subscriptionsNo
E-commerce offersYes
Credit limit & EMI
Default limitINR 50,000-1.5L
Max limit75%
Cash withdrawal50%
EMI conversionAt Purchase
Min EMI amountINR 5,000+
Balance transferLimited
BT interest rate1-1.5%
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresStandard+
Card controlsStandard
Fraud protectionAI
Zero liability3 days
WhatsApp supportYes