Fees
Annual feeINR 2,500 + GST
Joining feeINR 2,500 + GST
Renewal feeINR 2,500 + GST
Fee waiverSpend INR 3,00,000 in 12 months
Spend waiverSpend INR 3,00,000 in 12 months
Interest rate3.75% per month (45% per annum)
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup2%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 70,000
Min income (self-emp.)Income Tax Return (ITR) > INR 8.4 lakh/year
Credit scoreGood to excellent (750 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate10X on SmartBuy | 5X on dining
Redemption optionsFlights & Hotels | Gift Vouchers | Merchandise | Bank's own online redemption store
Points expiry2 Years
Travel & lounge
Domestic lounge2 domestic + 1 international lounge visit per calendar quarter; requires INR 60,000 spend in the preceding calendar quarter (raised from INR 15,000; eff. July 1, 2026). Accessed via Diners Club card swipe at network lounges.
International lounge6 complimentary visits/year via Priority Pass
Lounge conditionsINR 60,000 spend in preceding calendar quarter required for lounge access (eff. July 1, 2026; was INR 15,000)
Insurance coverageYes
Hotel/flight offersUp to 15% on partner hotels
ConciergeYes
Forex waiver2.0% - 3.0%
Lifestyle
Dining discountsUp to 20% via Dineout
Fuel surcharge1% on INR 400-INR 5,000, max INR 500/month
OTT subscriptionsYes - Complimentary annual memberships on milestone
E-commerce offersYes - SmartBuy portal
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 10 lakh+
Cash withdrawal40% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 10,000+
Balance transferYes
BT interest rateAs per offer
Insurance & protection
Purchase protectionYes
Lost card liabilityYes - zero liability on timely reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts | Card Lock/Unlock | Set/Modify Limits | View Statements & Due Dates | Convert to Equated Monthly Instalment (EMI) | Rewards Tracking & Redemption | Autopay Setup
Card controlsBlock/Unblock Card | Enable/Disable International Usage | Enable/Disable Online Transactions | Set Transaction Limits | Automated Teller Machine (ATM) Withdrawal Toggle
Fraud protectionReal-time Transaction Alerts | AI-Based Risk Monitoring | OTP for Online Transactions | Tokenization (RBI Mandated)
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes