Fees
Annual feeINR 0
Joining feeINR 0
Renewal feeINR 0
Fee waiverLifetime free - floater card linked to primary card
Spend waiverLifetime Free
Interest rate1.99% - 3.75% p.m. (same as primary card)
Late paymentSame as primary credit card
Forex markup3.50%
Cash advance2.5% of amount withdrawn or INR 500, whichever is higher
Eligibility
Min income (salaried)Issued to existing primary credit card holders only
Min income (self-emp.)Issued to existing primary credit card holders only
Credit scoreAs per primary card holder
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Redemption optionsSame as primary card
Points expiry2 Years
Travel & lounge
Domestic lounge0 visits (floater card - no independent lounge access)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offersVia RuPay Offers
ConciergeNo
Forex waiver3.50%
Lifestyle
Dining discountsVia RuPay/NPCI offers
Fuel surchargeYes - 1% waiver
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitShared with primary card (no additional limit)
Max limitUp to primary card's available limit
Cash withdrawal10% of shared credit limit
EMI conversionPost-purchase
Min EMI amountINR 1,500 - INR 2,000
Balance transferNo
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Alerts, Card Lock/Unlock, UPI on RuPay, View Statement
Card controlsBlock/Unblock, PIN Reset, Online Transactions, Contactless
Fraud protectionTokenization, OTP, Real-time Alerts
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes