Fees
Annual feeINR 500 + GST
Joining feeINR 500 + GST
Renewal feeINR 500 + GST
Fee waiverAnnual fee reversed on spending INR 3,50,000 in preceding year
Spend waiverSpend INR 3,50,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,200 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 400 + GST
Eligibility
Min income (salaried)INR 15,000/month
Min income (self-emp.)INR 2,00,000/year
Income requirementIncome Tax Return (ITR) > INR 3 lakh/year
Credit scoreFair to Good (700 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonusINR 500 Flipkart voucher on first spend (within 30 days)
Bonus categoriesFlipkart, Myntra, UPI, Partner merchants
Travel & lounge
Domestic loungeNo lounge access (discontinued WEF 20-Jun-2025)
International loungeNo international lounge access
Lounge conditionsNo spend condition
Travel insuranceINR 5 lakh travel cover (basic)
Lifestyle
Dining benefits1.5% cashback on Swiggy dining (capped)
Fuel surcharge2% fuel surcharge waiver
ComplimentaryComplimentary Flipkart Plus membership (eligible on spends)
Special offersFestive season bonus cashback, Monthly bonus offers on Flipkart
AdditionalDomestic airport lounge access completely discontinued (eff. June 20, 2025). Myntra cashback: 7.5% (cap ₹4,000/quarter; was 1% uncapped). Flipkart and Cleartrip: 5% (cap ₹4,000/quarter each; was 5% uncapped). PVR, Swiggy, Cult.fit, Uber: 4% unlimited cashback unchanged.
Credit limit & EMI
EMI optionsYes - SmartEMI
Insurance & protection
Other insuranceDeath cover INR 5 lakh
Coverage detailsTravel: INR 5 lakh, Medical: INR 2.5 lakh