Fees
Annual feeINR 500 + GST
Joining feeINR 500 + GST
Renewal feeINR 500 + GST
Fee waiverSpend INR 50,000 in 12 months
Spend waiverSpend INR 50,000 in 12 months
Interest rate3.75% per month (45% per annum)
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 15,000
Min income (self-emp.)Income Tax Return (ITR) > INR 3 lakh/year
Credit scoreFair (650 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Redemption optionsStatement Credit | Bank's own online redemption store
Points expiry2 Years
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo spend condition (see issuer for current terms)
Insurance coverageNo
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsUp to 10% via Dineout
Fuel surcharge1% on INR 400-INR 5,000, max INR 100/month
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 10,000 - INR 25,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal20% - 40%
EMI conversionInstant
Min EMI amountINR 1,500 - INR 2,000
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts | Card Lock/Unlock | View Statements & Due Dates | Convert to Equated Monthly Instalment (EMI) | Autopay Setup
Card controlsBlock/Unblock Card | 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