Fees
Annual feeINR 2,999 + GST
Joining feeINR 2,999 + GST
Renewal feeINR 2,999 + GST
Fee waiverAnnual spend of INR 3 lakh in previous year
Spend waiverNo spend-based fee waiver (zero renewal fee)
Interest rate2.5% per month (30% 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 30,000/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 - 3,000 CV bonus pts on INR 75,000 spend in first 90 days; milestone tickets (discontinued post Apr 2025)
Redemption optionsAir Miles / Airline Conversion, Flights & Hotels
Points expiry3 Years
Travel & lounge
Domestic loungeNo dedicated domestic airport lounge access
International lounge4 visits/year via Priority Pass (max 2 per quarter)
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers10% - 15%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Max limitINR 3 - INR 5 lakh
Cash withdrawal40% - 60%
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, Set/Modify Limits, View Statements & Due Dates, Rewards Tracking & Redemption, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes