Fees
Annual feeINR 3,000 + GST (Free for Citi Gold account holders)
Joining feeINR 3,000 + GST (Free for Citi Gold account holders)
Renewal feeINR 3,000 + GST (Free for Citi Gold account holders)
Fee waiverWaived on annual spend of INR 1 lakh or more
Spend waiverNo spend-based fee waiver
Interest rate3.75% per month (45% per annum)
Late paymentNIL up to INR 2,000; INR 100 for balance above INR 2,000 (per MITC)
Forex markup3.5% on transaction amount
Cash advance2.0% of amount withdrawn, minimum INR 300
Eligibility
Min income (salaried)INR 50,000/month
Min income (self-emp.)INR 6-INR 9 lakh/year
Credit score750-800 (Very Good) (CIBIL score)
Age range23 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate10 Miles per INR 100 on airline transactions
Cashback %N/A - Miles-based card
Redemption optionsFlights & Hotels, Air Miles / Airline Conversion, Gift Vouchers, Merchandise, Fuel Redemptions (IndianOil), Bank's own online redemption store
Points expiryNo Expiry
Travel & lounge
Domestic lounge4-8 visits/year (8/quarter with Visa; 6/quarter with Mastercard variant)
International lounge0 visits (domestic only)
Lounge conditionsNo
Insurance coverageYes - Air accident cover INR 1 crore; lost baggage, trip delay
Hotel/flight offers5% - 10% via partner sites
ConciergeYes - Travel bookings, hotel reservations, restaurant recommendations
Forex waiver3.5% (Standard Rate) - No waiver
Lifestyle
Dining discountsYes - Up to 20% at partner restaurants
Fuel surchargeYes - 1% surcharge waiver at IndianOil outlets
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 5,000+
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), Rewards Tracking & Redemption, Autopay Setup, Download Credit Card Statement, Raise Service Requests, Spend Analyzer
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, Suspicious Transaction Blocking, Zero Liability Guarantee, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportNo