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 1,00,000 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 35,000
Min income (self-emp.)Income Tax Return (ITR) > INR 6 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber via SmartBuy
Cashback %5% on partner spends | 1% on others
Cashback capINR 1,000/quarter (partner spend cashback)
Redemption optionsStatement Credit | Gift Vouchers | Bank's own online redemption store
Points expiry2 Years
Travel & lounge
Domestic lounge2 complimentary visits/quarter (8/year) via Dreamfolks
International lounge0 visits (no lounge benefit)
Lounge conditionsYes - min INR 1 lakh spend per quarter
Insurance coverageNo
Hotel/flight offersUp to 10% via SmartBuy
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsUp to 20% via Dineout
Fuel surcharge1% on INR 400-INR 5,000, max INR 250/month
OTT subscriptionsNo
E-commerce offersYes - Amazon, Flipkart, Myntra, Swiggy, Zomato partner cashback
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 10,000+
Balance transferYes
BT interest rateAs per offer
Insurance & protection
Purchase protectionNo
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 | OTP for Online Transactions | Tokenization (RBI Mandated)
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes