Fees
Annual feeAs per bank's discretion
Joining feeAs per bank's discretion (business card)
Renewal feeAs per bank's discretion
Fee waiverSpend-based waiver subject to bank's terms
Spend waiverSpend INR 1,50,000 in 12 months (business card)
Interest rate1.99% - 3.75% p.m. (dynamic)
Late paymentINR 0 (TAD ? INR 250); INR 250 (INR 251-INR 1,000); INR 500 (INR 1,001-INR 5,000); INR 1,000 (INR 5,001-INR 25,000); INR 1,250 (>INR 25,000)
Forex markup3.50%
Cash advance2.5% of amount withdrawn or INR 500, whichever is higher
Eligibility
Min income (salaried)For business owners / self-employed professionals
Min income (self-emp.)INR 6 - INR 9 lakh/year Income Tax Return (ITR) (indicative)
Credit score700 or above (CIBIL)
Age range21 to 60
Employment typeSelf-employed
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes
Redemption optionsFlights & Hotels, Gift Vouchers, Merchandise
Points expiry2 Years
Travel & lounge
Domestic lounge2 visits/quarter (spend-based)
International lounge0 visits (no lounge benefit)
Lounge conditionsYes
Insurance coverageYes
Hotel/flight offersVia Visa Business Offers
ConciergeYes - via Visa Business concierge
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes
Fuel surchargeYes - 1% waiver
OTT subscriptionsNo
E-commerce offersYes
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 5 - INR 10 lakh
Cash withdrawal20% of credit limit
EMI conversionAt Purchase, Post-purchase
Min EMI amountINR 1,500 - INR 2,000
Balance transferYes
BT interest rate0.83% p.m.
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresSpend Analysis, Card Lock/Unlock, Set Limits, Rewards Tracking, Equated Monthly Instalment (EMI) Conversion, Statement Download
Card controlsBlock/Unblock, International Usage, Online, Contactless, Limits, PIN Reset
Fraud protectionReal-time Alerts, Tokenization, OTP, Instant Block
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes