Fees
Annual feeINR 50,000 + GST
Joining feeINR 50,000 + GST
Renewal feeINR 50,000 + GST
Fee waiverAnnual fee waived on Spend INR 1,00,00,000 in 12 months
Spend waiverSpend INR 1,00,00,000 in 12 months
Interest rate0.75%-3.5% per month (9%-42% per annum (p.a.))
Late paymentWaived
Forex markup0% (Zero forex markup)
Cash advanceComplimentary
Eligibility
Min income (salaried)INR 5,00,000/month
Min income (self-emp.)INR 60,00,000/year
Income requirementNet Annual Income > INR 50 lakh (Private Banking)
Credit scoreExcellent (760 or above (CIBIL))
Age range25-65 years (by invitation only)
Rewards & cashback
Welcome bonusPremium welcome benefits (variable)
Bonus categoriesAll categories unrestricted, International travel focus
Travel & lounge
Domestic loungeUnlimited domestic lounge access via EliteAssist
International loungeUnlimited international via Priority Pass
Lounge conditionsNo spend condition required
Travel insuranceComprehensive travel insurance (INR 1 crore+), Medical emergency covers
Lifestyle
Dining benefitsPremium dining privileges, 30% discount at select fine dining
Fuel surchargeZero fuel surcharge (unlimited)
ComplimentaryPersonal concierge, Private RM, Exclusive events, Spa access
Special offersComplimentary spa visits, Golf rounds, Exclusive partner access
AdditionalZero forex markup, Complimentary hotel upgrades, Luxury travel benefits
Credit limit & EMI
EMI optionsYes - Premium rates, 0% Equated Monthly Instalment (EMI) options on qualifying purchases
Insurance & protection
Purchase protectionPurchase protection up to INR 50 lakh
Other insuranceAir Accident INR 1 crore, Personal Accident INR 50 lakh, Comprehensive covers
Coverage detailsAir Accident: INR 1 crore, Travel: INR 1 crore, Personal Accident: INR 50 lakh