Fees
Annual feeINR 2,500 + GST
Joining feeINR 2,500 + GST
Renewal feeINR 2,500 + GST
Fee waiverSpend INR 4,00,000 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 1,00,000
Min income (self-emp.)Income Tax Return (ITR) > INR 12 lakh/year
Credit scoreGood to excellent (750 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate20X on SmartBuy | 5X on select brands
Redemption optionsFlights & Hotels | Gift Vouchers | Merchandise | Bank's own online redemption store
Points expiry2 Years
Travel & lounge
Domestic lounge3 complimentary domestic lounge visits per calendar quarter via SmartBuy vouchers (requires INR 60,000 spend in preceding calendar quarter; effective 15 May 2026); access via direct bank contract post-DreamFolks (Sep 2025)
International lounge6 complimentary visits/year via Priority Pass
Lounge conditionsMinimum INR 60,000 spend in preceding calendar quarter required to earn SmartBuy lounge vouchers (effective 15 May 2026); vouchers track on SmartBuy portal
Insurance coverageYes
Hotel/flight offersUp to 15% on partner hotels
ConciergeYes
Forex waiver2.0% - 3.0%
Lifestyle
Dining discountsUp to 20% via Dineout
Fuel surcharge1% on INR 400-INR 5,000, max INR 500/month
OTT subscriptionsYes - Swiggy One, MMT Black memberships on milestones
E-commerce offersYes - SmartBuy portal
AdditionalBoarding Edge Programme (eff. 15-May-2026): upload boarding pass on SmartBuy and select 2 of 4 perks per quarter (spa access, Uber airport transfer, airport dining, hotel room upgrade). Priority Pass for international lounges (6 visits/year, no spend condition). Zero-fee fuel surcharge waiver (1% waiver on transactions ₹400–₹5,000, capped ₹500/month).
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 | Automated Teller Machine (ATM) Withdrawal Toggle
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