Fees
Annual feeINR 500
Joining feeINR 0
Renewal feeINR 500
Fee waiverMin INR 25L
Spend waiverSpend INR 1,00,000 in 12 months
Interest rate2.50%
Late paymentINR 100-1.3K
Forex markup3%
Cash advance3%
Eligibility
Min income (salaried)INR 2L
Min income (self-emp.)INR 2L
Credit score650 or above (CIBIL)
Age range21-65
Employment typeBoth
Resident typeIndian
Rewards & cashback
Accelerated rateYes
Redemption optionsCashback, Flights
Points expiry3 Yrs
Travel & lounge
Domestic loungeNo lounge access
International loungeNo lounge access
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers10-15%
ConciergeYes
Forex waiverFull
Lifestyle
Dining discountsPremium
Fuel surcharge2.50%
OTT subscriptionsLimited
E-commerce offersYes
Credit limit & EMI
Default limitINR 25,000-75K
Max limitINR 25L
Cash withdrawal50%
EMI conversionAt/Post
Min EMI amountINR 2,500+
Balance transferYes
BT interest rateAs per
Insurance & protection
Purchase protectionINR 5L
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresEnhanced
Card controlsFull
Fraud protectionAI
Zero liability3 days
WhatsApp supportYes