Fees
Annual feeINR 5,999 + GST
Joining feeINR 5,999 + GST
Renewal feeINR 5,999 + GST
Fee waiverAnnual fee waived on Spend INR 7,50,000 in 12 months
Spend waiverSpend INR 7,50,000 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 1,50,000/month
Min income (self-emp.)INR 20,00,000/year
Income requirementIncome Tax Return (ITR) > INR 15 lakh/year
Credit scoreExcellent (750 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Accelerated rate10X on eligible categories (dining, e-commerce, international) 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 bonus4,000 reward points on fee payment
Bonus categoriesTravel (especially international), Dining, Entertainment, Luxury retail
Travel & lounge
Domestic lounge8 complimentary domestic lounge visits/year via EliteAssist (post-DreamFolks Sep 2025)
International lounge8 international visits/year via Priority Pass
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceTravel insurance (INR 50 lakh trip cancellation), Air Accident INR 1 crore
Lifestyle
Dining benefitsBuy One Get One (BOGO) on movie tickets, 20% discount at partner restaurants
Fuel surchargeZero forex markup fee (vs 1% on Ashva)
ComplimentaryComplimentary golf rounds (1/month), Spa access, Concierge services
Special offersUp to 60X bonus rewards on travel, Mastercard World exclusive benefits
AdditionalTo earn 10X on eligible categories, monthly spend of INR 20,000 required (eff. Jan 18, 2026). FASTag and railway spends earn only 1X. Zero forex markup confirmed continuing. No reward points in billing cycle where minimum payment is missed.
Credit limit & EMI
EMI optionsYes - Premium SmartEMI with 5% cashback
Insurance & protection
Purchase protectionPurchase protection up to INR 15 lakh
Other insuranceAir Accident INR 1 crore, Personal Accident INR 15 lakh, Trip Cancellation INR 50,000
Coverage detailsAir Accident: INR 1 crore, Travel: INR 50 lakh, Personal Accident: INR 15 lakh, Lost Card: INR 50,000