Fees
Annual feeINR 1,000
Joining feeINR 0
Renewal feeINR 1,000
Fee waiverMin INR 50L
Spend waiverSpend INR 1,50,000 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 score700 or above (CIBIL)
Age range25-65
Employment typeBoth
Resident typeIndian
Rewards & cashback
Accelerated rateYes
Redemption optionsFlights, Hotels
Points expiry3 Yrs
Travel & lounge
Domestic loungeComplimentary domestic lounge access (Visa/Mastercard Platinum network)
International loungeLimited via Visa/Mastercard network at select airports
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers15-25%
ConciergeYes
Forex waiverFull
Lifestyle
Dining discountsExclusive
Fuel surcharge2.50%
OTT subscriptionsYes
E-commerce offersYes
Credit limit & EMI
Default limitINR 1.5-4L
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