Fees
Annual feeINR 500 + GST
Joining feeINR 500 + GST
Renewal feeINR 500 + GST
Fee waiverNo standard waiver condition published; bank discretion
Spend waiverSpend INR 50,000 in 12 months
Interest rate3.75% per month (45% per annum)
Late paymentNIL up to INR 2,000; INR 600 for INR 2,001-INR 7,500; INR 950 for INR 7,501-INR 15,000; INR 1,300 above INR 15,000
Forex markup3.5% on transaction amount
Cash advance2.5% of amount withdrawn, minimum INR 500
Eligibility
Min income (salaried)INR 20,000/month
Min income (self-emp.)INR 2.5-INR 4 lakh/year
Credit score700-750 (Good) (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Cashback %5% on telephone bills, utility bills, movie ticket purchases; 0.5% on all other spends
Cashback capINR 100 - INR 500/month (on category spend); no separate cap on base cashback
Redemption optionsCashback (direct) - auto-credited to statement balance
Points expiryN/A - cashback auto-credited
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver3.5% (Standard Rate) - No waiver
Lifestyle
Dining discountsYes - Up to 20% at Citi dining partner restaurants
Fuel surchargeYes - 1% surcharge waiver at IndianOil outlets
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 10,000 - INR 25,000
Max limitINR 75,000 - INR 1.5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero liability post reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Autopay Setup, Download Credit Card Statement, Raise Service Requests
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (Near-Field Communication (NFC)), Automated Teller Machine (ATM) Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, OTP for Online Transactions, CVV + Expiry + OTP Combo, Spending Pattern Detection, Zero Liability Guarantee, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportNo