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 600 (based on amount due)
Forex markup1.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 0 (Fixed Deposit (FD)-backed; minimum INR 5,000 Fixed Deposit (FD))
Min income (self-emp.)INR 0 (Fixed Deposit (FD)-backed)
Income requirementFD requirement INR 20,000+ (Secured card)
Credit scoreNo credit score required (FD-based)
Age range21-65 years
Rewards & cashback
Welcome bonus100% cashback on first 4 UPI transactions (INR 50 each)
Bonus categoriesUPI payments, Online, Digital spends
Travel & lounge
Domestic loungeNo lounge access (secured/FD-backed entry card)
International loungeNo lounge access
Lounge conditionsN/A - no lounge access
Travel insuranceBasic travel cover (INR 3 lakh)
Lifestyle
Dining benefits1-2% cashback on select dining via UPI
Fuel surcharge2% fuel surcharge waiver (capped INR 300/month)
ComplimentaryComplimentary travel cover, Roadside Assistance
Special offersComplimentary travel insurance on international UPI
AdditionalInstant digital card issuance, Never-expiring rewards
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 3 lakh, Personal Accident: INR 50,000