Fees
Annual feeINR 499 + GST (waived on annual spend ? INR 2 lakh)
Joining feeINR 499 + GST
Renewal feeINR 499 + 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 markup0% (promotional until 30 June 2026; standard 3.5% thereafter)
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% cashback on dining, food delivery and groceries
Cashback %10% on dining/food delivery/groceries; 1% on all other eligible spends
Cashback capINR 400/month total cashback cap
Redemption optionsCashback (direct)
Points expiryNA - cashback auto-credited
Travel & lounge
Domestic lounge8 domestic lounge visits/year (2/quarter via RuPay/LoungeKey)
International lounge2 international lounge visits/year
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offersCleartrip discounts up to INR 6,000 on flights and hotels
ConciergeNo
Forex waiver0% (Full Waiver - promotional until 30 June 2026)
Lifestyle
Dining discountsNo specific cashback dining programme beyond 10% on dining
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersYes - RuPay: Paytm, Cleartrip, JCB network offers
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); Cashback Tracking; Autopay; Block Lost Card; UPI via SimplyPay
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