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 1,000 (based on amount due)
Forex markup1.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 35,000/month
Min income (self-emp.)INR 5,00,000/year
Income requirementIncome Tax Return (ITR) > INR 5 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Welcome bonusINR 500 voucher on INR 5,000 spend
Bonus categoriesTravel, Shopping, Dining, Entertainment
Travel & lounge
Domestic lounge4 complimentary domestic lounge visits/year (1 per quarter) via EliteAssist — requires INR 20,000/month spend (eff. April 2026; was 2/quarter with no spend condition)
International loungeNo international lounge access
Lounge conditionsINR 20,000/month spend required to unlock lounge access for the following month (eff. April 2026)
Travel insuranceTravel insurance (INR 5 lakh), Baggage delay cover
Lifestyle
Dining benefits20% discount on 1,500+ restaurants (EazyDiner)
Fuel surcharge1% fuel surcharge waiver (capped INR 400/month)
ComplimentaryComplimentary travel insurance, Roadside Assistance
Special offers10X rewards on travel bookings via FIRST Rewards Gallery
AdditionalEazyDiner membership, Buy One Get One (BOGO) movie offers, Golf access
Credit limit & EMI
EMI optionsYes - SmartEMI with 5% cashback
Insurance & protection
Purchase protectionPurchase protection up to INR 50,000
Other insurancePersonal Accident INR 2 lakh
Coverage detailsTravel: INR 5 lakh, Medical: INR 3 lakh, Personal Accident: INR 2 lakh, Baggage: INR 1 lakh