Fees
Annual feeINR 500 + GST
Joining feeINR 500 + GST
Renewal feeINR 500 + GST
Fee waiverSpend INR 2,00,000 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 25,000
Min income (self-emp.)Income Tax Return (ITR) > INR 4 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate10% on Swiggy platform
Cashback %10% on Swiggy (Food, Instamart, Dineout) on transactions ≥ ₹249 (was ₹100 minimum); 5% on Cleartrip flights and hotels (added Apr 17, 2026); 1% on all other spends. Cashback credited within same billing cycle (changed Apr 17, 2026).
Cashback cap₹1,500/month cap on 10% Swiggy cashback; ₹1,500/month cap on 5% Cleartrip cashback (separate cap, added Apr 17, 2026)
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 (included in Swiggy app)
Fuel surcharge1% on INR 400-INR 5,000, max INR 250/month
OTT subscriptionsYes - Swiggy One membership (3 months free on activation)
E-commerce offersYes - Swiggy Instamart | Swiggy Genie
AdditionalCleartrip flights and hotels earn 5% cashback (₹1,500/month cap) effective April 17, 2026. Existing cardholders NOT being migrated to BLCK/ORNGE variants.
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