Fees
Annual feeINR 20,000 + GST
Joining feeINR 20,000 + GST
Renewal feeINR 20,000 + GST
Fee waiverNo waiver (annual spends bonus of INR 2,500 pts at INR 24 lakh+ spend)
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
Forex markup3.5% on transaction amount
Cash advance2.0% of amount withdrawn, minimum INR 300
Eligibility
Min income (salaried)INR 1.5 lakh/month (INR 18 lakh/year)
Min income (self-emp.)INR 25 lakh/year+
Credit score800 or above (CIBIL) (Excellent)
Age range25 to 60
Employment typeBoth
Resident typeIndian Citizen & Non-Resident Indian (NRI)
Rewards & cashback
Accelerated rateUp to 50% bonus points based on banking relationship
Cashback %N/A - Reward Points based
Redemption optionsStatement Credit, Gift Vouchers, Merchandise, Flights & Hotels, Air Miles / Airline Conversion, Cashback (direct), Bank's own online redemption store
Points expiryNo Expiry
Travel & lounge
Domestic loungeUnlimited access (via Priority Pass & Mastercard)
International loungeUnlimited (Self only) via Priority Pass at 800+ airports worldwide
Lounge conditionsNo
Insurance coverageYes - Air accident, medical emergency, lost baggage, hijack distress
Hotel/flight offers15% - 25% (ITC / Taj partner rates; 4th night free at ITC/Taj)
ConciergeYes - 24x7 global concierge (hotel, restaurant, travel, event bookings)
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes - Up to 20% at partner restaurants; complimentary dining vouchers
Fuel surchargeYes - 1% surcharge waiver at IndianOil outlets
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 5 - INR 10 lakh
Max limitINR 20 lakh+ (No fixed cap)
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 10,000+
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionYes - Limited purchase protection
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, Add-on Card Management
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, Control Add-on Card Settings, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, OTP for Online Transactions, CVV + Expiry + OTP Combo, Spending Pattern Detection, Suspicious Transaction Blocking, Customer Confirmation Calls, Zero Liability Guarantee, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportNo