Fees
Annual feeINR 1,000 + GST
Joining feeINR 1,000 + GST (communicated at sourcing)
Renewal feeINR 1,000 + GST
Fee waiverWaived on annual business spend of INR 50,000 or more
Spend waiverSpend INR 1,00,000 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Cash advance2.5% of amount withdrawn, minimum INR 500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)N/A - Business card
Min income (self-emp.)INR 9-INR 12 lakh/year (business income)
Credit score750-800 (CIBIL score)
Age range25 to 60
Employment typeSelf-employed
Resident typeIndian Resident
Rewards & cashback
Accelerated rateAccelerated points on business/travel spends (bank-defined categories)
Cashback %N/A - Reward Points based
Redemption optionsStatement Credit, Gift Vouchers, Flights & Hotels, Air Miles / Airline Conversion, Merchandise, Bank's own online redemption store
Points expiryNo Expiry
Travel & lounge
Domestic lounge4-8 visits/year
International lounge0 visits (domestic focus)
Lounge conditionsNo
Insurance coverageYes - Basic business travel cover
Hotel/flight offers5% - 10%
ConciergeYes - Business travel concierge, hotel & restaurant reservations
Forex waiver3.5% (Standard Rate)
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 1.5 - INR 4 lakh
Max limitINR 5 - INR 10 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, 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, Zero Liability Guarantee, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportNo