Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0 (Lifetime Free)
Renewal feeINR 0 (Lifetime Free)
Fee waiverLifetime free
Spend waiverLifetime Free
Interest rateUp to 3.5% p.m.
Late paymentSlab-based as per MITC
Forex markup0% (Zero Forex Markup)
Cash advance2.5% or INR 500, whichever higher
Eligibility
Min income (salaried)INR 20,000 - INR 35,000/month
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score700 or above (CIBIL)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 3X on e-commerce & online shopping
Cashback %Effective ~ 1.5% - 3% via reward points on online spends
Cashback capINR 500 - INR 1,000/month (indicative)
Redemption optionsGift Vouchers, Statement Credit, Cashback (direct), Merchandise
Points expiryNo Expiry
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offersVia Visa Offers
ConciergeNo
Forex waiver0% (Full Waiver - zero forex markup on all international transactions)
Lifestyle
Dining discountsYes - via Visa dining offers
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersYes - 3X rewards on popular e-commerce; seamless online shopping experience
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal10% - 20% of credit limit
EMI conversionAt Purchase, Post-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferNo
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes - instant virtual card on Edge App
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Rewards Tracking, Cashback Dashboard, Secure Login (Biometric), Spend Analyzer, Autopay
Card controlsBlock/Unblock, International, Online, Contactless, Limits, PIN Reset, Virtual Card View
Fraud protectionReal-time Alerts, Tokenization, OTP, Instant Block, AI-Based Monitoring
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes