Fees
Annual feeRs.10,000 + GST
Joining feeRs.1,25,000 + GST
Renewal feeRs.10,000 + GST
Fee waiverAnnual spend of Rs.25 lakh in previous year
Spend waiverNo spend-based fee waiver (invite-only)
Interest rate3.40% per month (40.8% per annum)
Late paymentRs.100-Rs.1,300 (based on outstanding)
Forex markup3.50%
Cash advance2.5% of amount (min Rs.500)
Eligibility
Min income (salaried)Rs.1.5 lakh+ (Invite Only)
Min income (self-emp.)Rs.25 lakh+/year (Invite Only)
Credit score780-850 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 6X on intl.; 4 free movie tickets/month BMS; unlimited golf; luxury charter yacht; private jet rates; Taj Epicure + InnerCircle Gold + Club ITC Culinaire
Redemption optionsStatement Credit, Gift Vouchers, Flights & Hotels
Points expiry3 Years
Travel & lounge
Domestic loungeUnlimited access
International loungeUnlimited (Self only) via Priority Pass
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers15% - 25%
ConciergeYes
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersYes
AdditionalRewards earned on first INR 10,000 of eligible spend per month only (cap added Jan–Feb 2026).
Credit limit & EMI
Default limitRs.10 lakh+
Max limitRs.20 lakh+ (No fixed cap)
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountRs.1,500 - Rs.2,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization, OTP, Instant Card Block, Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes