Fees
Annual feeINR 999 + GST (waived on annual spend ? INR 2 lakh)
Joining feeINR 999 + GST
Renewal feeINR 999 + GST (waived on annual spend ? INR 2 lakh)
Fee waiverWaived if annual spend ? INR 2,00,000
Spend waiverSpend INR 2,00,000 in 12 months
Interest rate3.49% per month (41.88% per annum (p.a.))
Late payment100% of Minimum Payment Due (MPD); min INR 250, max INR 1,200
Forex markup3.5% + GST
Cash advance2.5% of amount, min INR 500
Eligibility
Min income (salaried)INR 50,000/month (INR 6 lakh/year)
Min income (self-emp.)INR 12 lakh/year
Credit score700 - 750 (CIBIL score)
Age range18-65 (salaried); 25-65 (self-employed)
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 10% on dining, food delivery, groceries
Cashback %10% on dining, food delivery, groceries, shopping and utilities (eff. Jul 26, 2026; was dining/food/grocery only); 1.5% unlimited on all other eligible spends
Cashback capINR 1,200/month cap on 10% accelerated cashback (raised from INR 1,000; eff. Jul 26, 2026); no cap on 1.5% base cashback. ₹250 cashback/quarter on contactless fuel spends (new, eff. Jul 26, 2026).
Redemption optionsCashback (direct)
Points expiryNA - cashback auto-credited
Travel & lounge
Domestic lounge4 domestic lounge visits/year (1/quarter via Visa Infinite network; was Visa Signature)
International lounge1 complimentary international lounge visit/year (new, added Jul 26, 2026)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers15% cashback in MakeMyTrip Wallet on hotel stays (VISASIGNATURE promo)
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes - 10% off via District by Zomato; Buy One Get One (BOGO) cinema tickets
Fuel surchargeNo
OTT subscriptionsYes - 12-month Times Prime subscription (Visa Signature)
E-commerce offersNo specific e-commerce tie-up
AdditionalVisa Infinite privileges (eff. Jul 26, 2026): Airport Meet & Assist, complimentary ITC Hotels stay, Avis car rental benefits. ₹250 cashback per quarter on contactless fuel spends. Platform upgraded from Visa (Signature) to Visa Infinite.
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 5 - INR 10 lakh
Cash withdrawal20% - 40% of credit limit
EMI conversionInstant; Post-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - up to INR 3,00,000 from 24 hrs before reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresSpend Alerts; Card Lock/Unlock; Statements; Equated Monthly Instalment (EMI) Conversion; Cashback Tracking; Autopay; Block Lost Card
Card controlsBlock/Unblock; Intl Toggle; Online Txn Toggle; Contactless Toggle; PIN Reset
Fraud protectionReal-time Alerts; Tokenization; OTP; CVV+Expiry+OTP; Instant Block; Zero Liability
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportNo