Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverAnnual fee waived on Spend INR 1,50,000 in 12 months (fee applicable; not lifetime free)
Spend waiverSpend INR 1,50,000 in 12 months (fee applicable; not lifetime 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 14,400/month
Min income (self-emp.)INR 2,00,000/year
Income requirementIncome Tax Return (ITR) > INR 3 lakh/year
Credit scoreFair (680 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Welcome bonus100% cashback on first 4 UPI (INR 50 each)
Bonus categoriesUPI payments (INR 5,000+ monthly thresholds), Dining, Shopping
Travel & lounge
Domestic loungeNo lounge access (entry-level digital card)
International loungeNo lounge access
Lounge conditionsN/A - no lounge access
Travel insuranceComplimentary travel cover (INR 5 lakh)
Lifestyle
Dining benefits10-15% discount at Domino's, Zomato (via SWYP)
Fuel surcharge1% fuel surcharge waiver (capped INR 300/month)
ComplimentaryComplimentary travel insurance, Roadside Assistance
Special offersMonthly milestone bonuses on UPI spend thresholds
AdditionalTata CLiQ discounts, Partner merchant offers, Loyalty programs
Credit limit & EMI
EMI optionsYes - SmartEMI on UPI purchases
Insurance & protection
Purchase protectionBasic purchase protection (INR 25,000)
Other insurancePersonal Accident INR 50,000
Coverage detailsTravel: INR 5 lakh, Personal Accident: INR 50,000