Fees
Annual feeINR 500 + GST
Joining feeINR 500 + GST
Renewal feeINR 500 + GST
Fee waiverAnnual fee waived on Spend INR 2,00,000 in 12 months
Spend waiverSpend INR 2,00,000 in 12 months
Interest rate0.75%-3.5% per month (9%-42% per annum (p.a.))
Late paymentINR 100-INR 1,000 (based on amount due)
Forex markup1.5% + GST
Cash advanceComplimentary (Interest-free up to due date)
Eligibility
Min income (salaried)INR 25,000/month
Min income (self-emp.)INR 3,50,000/year
Income requirementIncome Tax Return (ITR) > INR 5 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Welcome bonusINR 2,250 welcome benefit
Bonus categoriesFuel, Utilities, Groceries, FASTag (2.5%), Retail (2X)
Travel & lounge
Domestic lounge4 complimentary domestic lounge visits/year via EliteAssist, spend-gated INR 20,000/quarter
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceTravel insurance (INR 10 lakh), Baggage delay cover
Lifestyle
Dining benefits5% cashback on dining via partner app
Fuel surcharge5% fuel surcharge waiver (capped INR 500/month)
ComplimentaryComplimentary roadside assistance (INR 1,399), Free railway lounge
Special offers50% discount on car rentals (Eco Rent, Europcar)
AdditionalFree travel insurance, Zoomcar rentals discount (INR 1,000 off)
Credit limit & EMI
EMI optionsYes - SmartEMI with 5% cashback on first Equated Monthly Instalment (EMI)
Insurance & protection
Purchase protectionPurchase protection up to INR 75,000
Other insurancePersonal Accident INR 2 lakh
Coverage detailsTravel: INR 10 lakh, Medical: INR 5 lakh, Personal Accident: INR 2 lakh