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 1,200 (based on amount due)
Forex markup1.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 1,00,000/month
Min income (self-emp.)INR 12,00,000/year
Income requirementIncome Tax Return (ITR) > INR 10 lakh/year
Credit scoreExcellent (720 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Welcome bonusINR 1,500 welcome benefits
Bonus categoriesTravel, Shopping, Dining, Golf, Entertainment
Travel & lounge
Domestic lounge4 complimentary domestic lounge visits/year (1 per quarter) via EliteAssist — requires INR 20,000/month spend to unlock next month access (eff. April 2026; was 2/quarter with no spend condition)
International lounge4 complimentary international lounge visits/year (1 per quarter) — requires INR 20,000/month spend (eff. April 2026; was 2/quarter with no spend condition)
Lounge conditionsINR 20,000/month spend required to unlock lounge access for the following month (eff. April 2026)
Travel insuranceTravel insurance (INR 8 lakh), Baggage delay, Trip cancellation
Lifestyle
Dining benefits30% discount on 1,500+ restaurants via EazyDiner
Fuel surcharge1% fuel surcharge waiver (capped INR 500/month)
ComplimentaryEazyDiner Prime membership, 2 golf rounds/month, Roadside Assistance
Special offersMilestone bonuses on annual spends, Birthday rewards
AdditionalPremium lifestyle benefits, Complimentary golf rounds, Partner hotel discounts
Credit limit & EMI
EMI optionsYes - SmartEMI with 5% cashback
Insurance & protection
Purchase protectionPurchase protection up to INR 1 lakh
Other insurancePersonal Accident INR 3 lakh, Air Accident INR 5 lakh
Coverage detailsTravel: INR 8 lakh, Medical: INR 4 lakh, Personal Accident: INR 3 lakh, Air Accident: INR 5 lakh