Fees
Annual feeINR 12,499 + GST
Joining feeINR 12,499 + GST (or INR 1,000/month monthly plan)
Renewal feeINR 12,499 + GST
Fee waiverAnnual spend of INR 10 lakh in previous year
Spend waiverNo spend-based fee waiver (premium card)
Interest rate2.49% per month (29.88% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup2.00%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 1.5 lakh+
Min income (self-emp.)INR 20 lakh+/year
Credit score750 - 800 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 6X on hotel bookings via iSHOP; 2X on international spends; milestone pts
Cashback capReward earning capped at INR 20,000/month eligible spends (WEF 15-Jan-2026)
Redemption optionsFlights & Hotels, Gift Vouchers, Statement Credit, Air Miles / Airline Conversion
Points expiry3 Years
Travel & lounge
Domestic loungeUnlimited complimentary domestic lounge access; post-DreamFolks via direct operator contracts
International loungeUnlimited (Self only) via Priority Pass
Lounge conditionsNo spend condition required
Insurance coverageYes
Hotel/flight offers15% - 25%
ConciergeYes
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsYes
E-commerce offersYes
AdditionalRewards earned on first INR 20,000 of eligible spend per month only (cap added Jan–Feb 2026). Emeralde Metal: no reward points on fuel, rent, tax or wallet loads.
Credit limit & EMI
Default limitINR 5 - INR 10 lakh
Max limitINR 20 lakh+ (No fixed cap)
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
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 liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes