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 20,000/month
Min income (self-emp.)INR 3,00,000/year
Income requirementIncome Tax Return (ITR) > INR 3 lakh/year
Credit scoreFair (680 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Welcome bonusINR 500 gift voucher on INR 5,000 spend (within 30 days)
Bonus categoriesShopping, Dining, Online, Travel, Movies
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 insurance (basic)
Lifestyle
Dining benefitsUp to 25% discount on dining via partner restaurants
Fuel surcharge2% surcharge waiver (capped INR 400/month)
ComplimentaryRoadside Assistance (INR 1,399), Railway Lounge Access
Special offers100% cashback on first 4 UPI transactions (INR 50 each) via Digital Card
AdditionalReward accrual devalued Jan 18, 2026: earn rate moved from per-INR 150 to per-INR 200 basis (25% cut). Same structure applies: 2X on online, 1X on offline.
Credit limit & EMI
EMI optionsYes - SmartEMI, 5% cashback on first Equated Monthly Instalment (EMI)
Insurance & protection
Purchase protectionBasic purchase protection
Other insurancePersonal Accident Cover INR 2 lakh
Coverage detailsTravel: Basic, Medical: Basic, Personal Accident: INR 2 lakh