Fees
Annual feeINR 3,000 + GST
Joining feeINR 3,000 + GST
Renewal feeINR 3,000 + 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 75,000
Min income (self-emp.)Income Tax Return (ITR) > INR 9 lakh/year
Credit scoreGood to excellent (750 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate8 Bonvoy pts/INR 200 at Marriott | 4 pts/INR 200 on travel, dining, entertainment (eff. May 15, 2026)
Redemption optionsFlights & Hotels (Marriott Bonvoy) | Air Miles / Airline Conversion
Points expiryNo Expiry (as long as account active)
Travel & lounge
Domestic lounge4 complimentary visits/year
International lounge2 visits/year
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offersSilver Elite Marriott status | 15% off F&B at Marriott | Room upgrades
ConciergeYes
Forex waiver2.0% - 3.0%
Lifestyle
Dining discounts15% off F&B at Marriott properties
Fuel surcharge1% on INR 400-INR 5,000, max INR 250/month
OTT subscriptionsNo
E-commerce offersNo
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
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