Fees
Annual feeINR 1,499 + GST (waived for renewal post Apr 2025)
Joining feeINR 1,499 + GST
Renewal feeINR 1,499 + GST (waived for renewal post Apr 2025)
Fee waiverRenewal fee waived post Apr 2025 (no new applications)
Spend waiverNo spend-based fee waiver (zero renewal fee from 2025)
Interest rate3.50% per month (42% per annum)
Late paymentINR 400-INR 1,300 (based on amount due)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 25,000/month
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score700 - 750 (CIBIL score)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 1,000 CV bonus pts on INR 50,000 spend in first 90 days
Redemption optionsAir Miles / Airline Conversion, Flights & Hotels
Points expiry3 Years
Travel & lounge
Domestic loungeNo dedicated domestic airport lounge access
International lounge2-4 visits/year via Priority Pass
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers5% - 10%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
BT interest rate0% - 0.75% per month
Insurance & protection
Purchase protectionNo
Digital & security
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Rewards Tracking & Redemption, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes