Fees
Annual feeINR 0 (Lifetime Free - Limited Period Offer)
Joining feeINR 0 (Lifetime Free - Limited Period Offer)
Renewal feeINR 0 (Lifetime Free - Limited Period Offer)
Fee waiverLifetime free (limited period offer)
Spend waiverLifetime Free (limited period offer)
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Cash advance2.5% of amount withdrawn or INR 500, whichever is higher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)INR 20,000/month (indicative)
Min income (self-emp.)INR 2.5 - INR 4 lakh/year
Credit score650 - 700 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 3x on Electronics & Apparel; 2x on Entertainment
Redemption optionsGift Vouchers, Merchandise, Flights & Hotels
Points expiry2 Years
Travel & lounge
Domestic lounge1 visit/quarter on INR 20,000 prior-quarter spend
International lounge0 visits (no lounge benefit)
Lounge conditionsYes
Insurance coverageNo
Hotel/flight offersVia RuPay Offers (NPCI)
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes - via RuPay Dining Offers
Fuel surchargeYes - 1% waiver
OTT subscriptionsNo
E-commerce offersYes - Amazon Pay e-Voucher; Swiggy vouchers
Credit limit & EMI
Default limitINR 10,000 - INR 25,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal10% 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 featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Convert to Equated Monthly Instalment (EMI), Rewards Tracking, UPI enabled on RuPay CC
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