Fees
Annual feeINR 2,500 + GST
Joining feeINR 2,500 + GST
Renewal feeINR 2,500 + GST
Fee waiverSpend INR 2,50,000 in 12 months
Spend waiverSpend INR 2,50,000 in 12 months
Interest rate2.5% - 3.5%
Late paymentINR 100-INR 500 (based on amount due)
Forex markup2.00%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 50,000 - INR 75,000
Min income (self-emp.)INR 9 - INR 12 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes
Cashback %2% - 3% on Air India transactions
Cashback capINR 3,000 - INR 5,000/month
Redemption optionsAir Miles, Flights, Statement Credit
Points expiry3 Years
Travel & lounge
Domestic lounge4-8 visits/year
International lounge6-8 visits/year
Lounge conditionsYes
Insurance coverageYes
Hotel/flight offers15% - 25%
ConciergeYes
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsYes
Fuel surchargeNo
OTT subscriptionsLimited
E-commerce offersYes
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 5 - INR 10 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresAir Miles Tracking, Flight Bookings, Equated Monthly Instalment (EMI) Conversion
Card controlsBlock/Unblock, Limit Set, International Enable/Disable
Fraud protectionReal-time Alerts, Zero Liability Guarantee
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportYes