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 range25-70
Employment typeBoth
Resident typeIndian
Rewards & cashback
Accelerated rateYes
Cashback capHigh
Redemption optionsFlights, Hotels
Points expiryNo Expiry
Travel & lounge
Domestic lounge2 complimentary visits/year via RuPay network
International loungeNo international lounge access
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers15-30%
ConciergePremium
Lifestyle
Dining discountsPremium
Fuel surcharge2.50%
OTT subscriptionsMultiple
E-commerce offersExclusive
Credit limit & EMI
Default limitINR 5-10L
Max limit90%
Cash withdrawal50%
EMI conversionAt Purchase
Min EMI amountINR 5,000+
Balance transferYes
BT interest rate0.75-1%
Insurance & protection
Purchase protectionHigh
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresPremium
Card controlsFull+Prem
Fraud protectionAI + Biometrics
Zero liability3 days
WhatsApp supportYes