Fees
Annual feeLifetime Free
Joining feeLifetime Free
Renewal feeLifetime Free
Fee waiverLifetime Free - no annual fee applicable
Spend waiverLifetime Free
Interest rate0.75%-3.5% per month (9%-42% per annum (p.a.))
Late paymentINR 100-INR 800 (based on amount due)
Forex markup1.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 14,400/month
Min income (self-emp.)INR 2,00,000/year
Income requirementIncome Tax Return (ITR) > INR 2.5 lakh/year
Credit scoreFair (650 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Welcome bonusINR 500 voucher on INR 5,000 spend
Bonus categoriesShopping, Dining, Online, Entertainment
Travel & lounge
Domestic loungeNo airport lounge access (railway lounge only - see complimentary_services)
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceComplimentary travel cover (INR 3 lakh)
Lifestyle
Dining benefits7% discount on select dining partners
Fuel surcharge1% surcharge waiver (capped INR 300/month)
ComplimentaryRoadside Assistance, Railway Lounge Access
Special offersComplimentary travel insurance
AdditionalReward accrual devalued Jan 18, 2026: earn rate moved from 1 RP/INR 150 to 1 RP/INR 200 (25% cut). No spend condition for existing lifetime-free benefits. No annual or joining fee — truly lifetime free.
Credit limit & EMI
EMI optionsYes - SmartEMI with 5% cashback
Insurance & protection
Purchase protectionBasic purchase protection (INR 25,000)
Other insurancePersonal Accident INR 50,000
Coverage detailsTravel: INR 3 lakh, Personal Accident: INR 50,000