Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0 (Nil)
Renewal feeINR 0 (Lifetime Free)
Fee waiverNA - Lifetime Free card
Spend waiverLifetime Free
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 - 5X on annual spend > INR 4 lakh
Cashback %INR 250 fuel cashback/quarter (contactless); 10% cashback via District (dining)
Cashback capINR 250/quarter (fuel contactless)
Redemption optionsFlights & Hotels; Air Miles Conversion; Gift Vouchers; Bank Redemption Store
Points expiry3 Years
Travel & lounge
Domestic lounge3 domestic lounge visits/year (Visa Signature)
International loungeNo international lounge access
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers15% cashback in MakeMyTrip Wallet on hotel stays (promo: VISASIGNATURE)
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes - 10% off via District by Zomato; Buy One Get One (BOGO) cinema tickets
Fuel surchargeYes - waiver up to INR 250/month on INR 400-INR 4,000 fuel spends
OTT subscriptionsYes - complimentary 3-month Swiggy One; 12-month Times Prime (Visa Signature)
E-commerce offersYes - Visa Signature partner benefits
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; Rewards Tracking; Autopay; Block Lost Card; Virtual Card View
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