Fees
Annual feeINR 1,000 + GST
Joining feeINR 1,000 + GST
Renewal feeINR 1,000 + GST
Fee waiverSpend INR 1,00,000 in 12 months
Spend waiverSpend INR 1,50,000 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 30,000
Min income (self-emp.)Income Tax Return (ITR) > INR 5 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate5X on dining | 3X on online spends
Redemption optionsFlights & Hotels | Gift Vouchers | Merchandise | Bank's own online redemption store
Points expiry2 Years
Travel & lounge
Domestic lounge4-8 visits/year
International lounge2-4 visits/year
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offersUp to 10% via SmartBuy
ConciergeNo
Forex waiver2.0% - 3.0%
Lifestyle
Dining discountsUp to 15% via Dineout
Fuel surcharge1% on INR 400-INR 5,000, max INR 250/month
OTT subscriptionsNo
E-commerce offersYes - SmartBuy portal
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 5 - INR 10 lakh
Cash withdrawal40% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 5,000+
Balance transferYes
BT interest rateAs per offer
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
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
Fraud protectionReal-time Transaction Alerts | OTP for Online Transactions | Tokenization (RBI Mandated)
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes