Fees
Annual feeINR 2,500 + GST (waived on INR 4,00,000 annual spend)
Joining feeINR 2,500 + GST
Renewal feeINR 2,500 + GST (waived on INR 4,00,000 in preceding anniversary year)
Fee waiverAnnual spend of INR 4,00,000 in preceding card anniversary year
Spend waiverINR 4,00,000 in card anniversary year
Interest rate3.75% per month (45% per annum)
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup1.99% + GST
Cash advance2.5% of amount withdrawn or INR 500 (whichever is higher)
Eligibility
Min income (salaried)N/A - Business card
Min income (self-emp.)Annual ITR above INR 12 lakh; self-employed Indian citizen
Income requirementAnnual ITR above INR 12 lakh
Credit score750+ (CIBIL)
Age range21-65 years
Employment typeSelf-employed
Resident typeIndian Resident
Rewards & cashback
Accelerated rate5X (25 RP per INR 200) on utility bill payments via SmartPay/PayZapp, MMT MyBiz hotel/flight bookings, Google Ads, Meta Ads, business software (AWS, Azure, Office 365, Tally), Reliance Digital — requires min INR 25,000 non-IT/GST spend per cycle; bonus RP capped at 7,500/cycle (WEF May 15, 2026)
Redemption optionsFlights & Hotels | Gift Vouchers | Merchandise | Cashback via SmartBuy
Points expiry2 years from accumulation
Welcome bonusAmazon Prime membership or INR 1,500 Amazon voucher on 1 Tax (IT/GST), Travel or Ads (Meta/Google) transaction within first 30 days (new first-time cardholders only WEF Oct 25, 2025)
Bonus categoriesUtility bills via SmartPay/PayZapp; Google Ads; Meta Ads; MMT MyBiz hotel/flight; AWS; Azure; Microsoft Office 365; Tally; Reliance Digital
Travel & lounge
Domestic lounge2 complimentary visits per quarter on INR 75,000 spend in prior calendar quarter
International lounge6 complimentary visits per year via Priority Pass
Lounge conditionsINR 75,000 spend in prior calendar quarter (domestic); Priority Pass (international)
Lifestyle
Fuel surcharge1% fuel surcharge waiver
ComplimentaryINR 5,000 MakeMyTrip or Reliance Digital voucher on INR 2,50,000 quarterly retail spend excl. petrol/IT/GST/EMI (WEF 1-Jul-2026). Zero-cancellation MakeMyTrip domestic flight voucher on INR 75,000 quarterly spend.
AdditionalAlso available on RuPay platform. Reward points capped at 7,500/cycle on accelerated categories (WEF May 15, 2026). Annual fee waiver on INR 4L spend (not INR 2.5L as on earlier version).
Digital & security
Contactlesstrue
Virtual cardtrue
Zero liabilityZero liability on timely fraud reporting
WhatsApp supporttrue