Fees
Annual feeINR 0
Joining feeINR 0
Renewal feeINR 0
Fee waiverMin INR 1.2L
Spend waiverLifetime Free
Interest rate2.50%
Late paymentINR 100-1.3K
Forex markup3%
Cash advance3%
Eligibility
Min income (salaried)INR 1L
Min income (self-emp.)INR 1L
Credit score550 or above (CIBIL)
Age range18-65
Employment typeBoth
Resident typeIndian
Rewards & cashback
Accelerated rateNo
Redemption optionsCashback
Points expiry3 Yrs
Travel & lounge
Domestic loungeNo lounge access
International loungeNo lounge access
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offersPartner
ConciergeNo
Forex waiverFull
Lifestyle
Dining discountsLimited
Fuel surcharge2.50%
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 protectionINR 2L
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresFull
Card controlsFull
Fraud protectionAlerts
Zero liability3 days
WhatsApp supportYes