Fees
Annual feeINR 2,999 + GST
Joining feeINR 2,999 + GST
Renewal feeINR 2,999 + GST
Fee waiverAnnual fee waived on Spend INR 5,00,000 in 12 months
Spend waiverSpend INR 5,00,000 in 12 months
Interest rate0.75%-3.5% per month (9%-42% per annum (p.a.))
Late paymentINR 100-INR 1,500 (based on amount due)
Forex markup1.5% + GST
Cash advanceComplimentary (Interest-free travel bookings)
Eligibility
Min income (salaried)INR 50,000/month
Min income (self-emp.)INR 7,00,000/year
Income requirementIncome Tax Return (ITR) > INR 10 lakh/year
Credit scoreExcellent (740 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Accelerated rate10X on eligible categories (dining, e-commerce, etc.) when monthly spend ≥ INR 20,000; otherwise 5X. 5X on international transactions. 1X on FASTag and railways. No rewards if minimum amount due missed (eff. Jan 18, 2026).
Welcome bonus2,500 reward points on fee payment
Bonus categoriesTravel, Dining, Entertainment, Shopping, Retail
Travel & lounge
Domestic lounge4 complimentary domestic lounge visits/year via EliteAssist (post-DreamFolks Sep 2025)
International lounge4 international visits/year via LoungeKey
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceTravel insurance (INR 1 crore on air accident), Trip cancellation cover INR 25,000
Lifestyle
Dining benefits20% discount at 300+ restaurants, Buy One Get One (BOGO) offers via partner platforms
Fuel surcharge1% fuel surcharge waiver (capped INR 300/month, effective Feb 2025)
ComplimentaryComplimentary golf rounds (1/month on INR 20,000+ spend), Concierge services
Special offersUp to 60X bonus rewards on travel bookings via FIRST app
AdditionalTo earn 10X on eligible categories, monthly spend of INR 20,000 is required (eff. Jan 18, 2026). FASTag and railway spends earn only 1X. No reward points for any spend in a billing cycle where the minimum amount due is missed.
Credit limit & EMI
EMI optionsYes - Premium SmartEMI with 5% cashback
Insurance & protection
Purchase protectionPurchase protection up to INR 10 lakh
Other insuranceAir Accident INR 1 crore, Personal Accident INR 10 lakh
Coverage detailsAir Accident: INR 1 crore, Travel: INR 25 lakh, Personal Accident: INR 10 lakh, Lost Card: INR 50,000