Fees
Annual feeINR 10,000 + GST
Joining feeINR 10,000 + GST
Renewal feeINR 10,000 + GST
Fee waiverAnnual spend of INR 10 lakh in previous year
Spend waiverSpend INR 10,00,000 in 12 months
Interest rate2.49% per month (29.88% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup1.99%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 1.5 lakh+
Min income (self-emp.)INR 20 lakh+/year
Credit score780 - 850 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 2.5 Miles on Emirates; unlimited lounge; spa; bonus miles on milestones
Cashback capMilestone caps apply
Redemption optionsAir Miles / Airline Conversion (Emirates Skywards), Flights & Hotels
Points expiry3 Years
Travel & lounge
Domestic loungeUnlimited access
International loungeUnlimited (Self only) via Priority Pass
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers15% - 25%
ConciergeYes
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
AdditionalRewards earned on first INR 10,000 of eligible spend per month only (cap added Jan–Feb 2026).
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 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements, Convert to Equated Monthly Instalment (EMI), 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, AI-Based Risk Monitoring, Tokenization, OTP, Instant Card Block, Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes