Fees
Annual feeINR 3,500 + GST
Joining feeINR 6,500 + GST
Renewal feeINR 3,500 + GST
Fee waiverAnnual spend of INR 6 lakh in previous year
Spend waiverSpend INR 4,00,000 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 80,000/month (INR 9.6 lakh/year)
Min income (self-emp.)INR 9 - INR 12 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 6X on iSHOP tech/clothing; 12X on hotel bookings; milestone bonus pts on INR 6L annual spend
Cashback capReward earning capped at INR 20,000/month eligible spends (WEF 15-Jan-2026)
Redemption optionsGift Vouchers, Flights & Hotels, Statement Credit, Air Miles / Airline Conversion, Bank's own online redemption store
Points expiry3 Years
Travel & lounge
Domestic lounge4 visits/quarter on INR 75,000 spend in preceding calendar quarter
International lounge2 visits/year via Priority Pass
Lounge conditionsMinimum INR 35,000 spend in preceding calendar quarter to unlock 1 complimentary visit per quarter (effective Apr 2024)
Insurance coverageYes
Hotel/flight offers10% - 15%
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 1.5 - INR 4 lakh
Max limitINR 5 - INR 10 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 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