Fees
Annual feeRs.299 + GST
Joining feeRs.299 + GST
Renewal feeRs.299 + GST
Fee waiverAnnual spend of Rs.50,000 in previous year
Spend waiverSpend INR 20,000 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.10,000 - Rs.20,000
Min income (self-emp.)Rs.2.5 - Rs.4 lakh/year
Credit score650-700 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 10% fare discount at Mumbai Metro; auto top-up; 4 pts on metro recharge
Redemption optionsStatement Credit, Gift Vouchers (via PAYBACK), Metro Miles recharge
Points expiry2 Years
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
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.10,000 - Rs.25,000
Max limitRs.50,000 - Rs.1.5 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 cardNo
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, 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