Fees
Annual feeINR 2,000 + GST
Joining feeINR 3,000 + GST
Renewal feeINR 2,000 + GST
Fee waiverAnnual spend of INR 3 lakh in previous year
Spend waiverSpend INR 3,00,000 in 12 months
Interest rate3.40% per month (40.8% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 41,666/month (INR 5 lakh/year)
Min income (self-emp.)INR 5 - INR 8 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 2X on international; 3,000 pts on INR 3L + 1,500 pts per additional INR 1L spend (max 15,000/year)
Cashback capReward earning capped at INR 20,000/month eligible spends (WEF 15-Jan-2026)
Redemption optionsGift Vouchers, Statement Credit, Flights & Hotels
Points expiry3 Years
Travel & lounge
Domestic lounge1 visit/quarter (domestic) on INR 75,000 preceding-quarter spend; primary only
International lounge0 visits (no lounge benefit)
Lounge conditionsYes
Insurance coverageYes
Hotel/flight offers5% - 10%
ConciergeYes
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsNo
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 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, 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, Instant Card Block
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes