Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Lifetime Free)
Renewal feeNil (Lifetime Free)
Fee waiverLifetime Free - no condition
Spend waiverLifetime Free
Interest rate3.25% per month (39% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup2%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 35,000 - INR 50,000
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 5 pts on dining, online, utility; 3,999 pts quarterly on INR 1L spend; 1,000 pts on first transaction within 30 days
Cashback cap~4,000 pts per quarter milestone; 1,000 pts on activation
Redemption optionsStatement Credit, Gift Vouchers, Merchandise
Points expiry2 years
Travel & lounge
Domestic lounge12 visits/year (3 per quarter on INR 40,000 quarterly spend)
International lounge0 visits (no lounge benefit)
Lounge conditionsYes
Insurance coverageYes
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsNo
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 3 - INR 5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 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 & Due Dates, 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 (RBI Mandated), OTP for Online Transactions
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes