Fees
Annual feeRs.500 + GST
Joining feeRs.500 + GST
Renewal feeRs.500 + GST
Fee waiverAnnual spend of Rs.1.5 lakh in previous year
Spend waiverSpend INR 2,50,000 in 12 months
Interest rate3.40% per month (40.8% per annum)
Late paymentRs.100-Rs.1,300
Forex markup3.50%
Cash advance2.5% of amount (min Rs.500)
Eligibility
Min income (salaried)Rs.20,000 - Rs.35,000
Min income (self-emp.)Rs.2.5 - Rs.4 lakh/year
Credit score650-700 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeNon-Resident Indian (NRI)
Rewards & cashback
Accelerated rateYes - 2X on dining & grocery; Buy One Get One (BOGO) 25% off movie tickets on Rs.75K quarterly spend; NRE/NRO account mandatory
Cashback capCategory caps apply
Redemption optionsGift Vouchers, Statement Credit, Merchandise
Points expiry3 Years
Travel & lounge
Domestic lounge1 visit/quarter (on Rs.75,000 quarterly spend)
International lounge0 visits (no lounge benefit)
Lounge conditionsYes
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
AdditionalRewards earned on first INR 10,000 of eligible spend per month only (cap added Jan–Feb 2026).
Credit limit & EMI
Default limitRs.25,000 - Rs.75,000
Max limitRs.1.5 - Rs.3 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountRs.2,500 - Rs.3,000
Balance transferYes
BT interest rate0% - 0.75% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization, OTP
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes