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 20,000
Min income (self-emp.)Income Tax Return (ITR) > INR 4 lakh/year
Credit scoreFair to good (700 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate10X on Swiggy, Zomato, Flipkart, Amazon via SmartBuy
Cashback %Up to 2.5% on 10X partner brands (Amazon, Flipkart, Swiggy, Reliance Smart SuperStore, BigBasket); 0.25% on all other spends (eff. May 15, 2026; was ~3.3% on partner brands)
Cashback cap10X partner brands capped at 2,500 CashPoints/month; grocery sub-capped at 1,000 CashPoints/month. Total effective cashback at partner brands: up to 2.5% (was ~3.3% before May 15, 2026 devaluation).
Redemption optionsStatement Credit | Gift Vouchers | 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
Hotel/flight offersUp to 10% via SmartBuy
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsUp to 15% via Dineout
Fuel surcharge1% on INR 400-INR 5,000, max INR 250/month
OTT subscriptionsNo
E-commerce offersYes - Swiggy, Zomato, Flipkart, Amazon partner cashback
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 3 - INR 5 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 - 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 | OTP for Online Transactions | Tokenization (RBI Mandated)
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes