Fees
Annual feeNil (per official T&C; DB previously showed INR 500 - unverified source)
Joining feeNil
Renewal feeINR 500 + GST (waived on first year)
Fee waiverSpend INR 50,000 in 12 months
Spend waiverSpend INR 1,00,000 in 12 months
Interest rate1.99% per month (per official T&C)
Late paymentINR 100-INR 300 (based on amount due)
Forex markup2.50%
Cash advance2% of amount (min INR 300)
Eligibility
Min income (salaried)INR 18,000 - INR 30,000
Min income (self-emp.)INR 3 - INR 5 lakh/year
Credit score600 - 650 (CIBIL score)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Cashback %0.25% - 0.75% on select spends
Cashback capINR 200 - INR 500/month
Redemption optionsStatement Credit
Points expiry2 Years
Travel & lounge
Domestic loungeNo lounge access (per official T&C)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers0% - 3%
ConciergeNo
Forex waiver2.5% (No Waiver)
Lifestyle
Dining discountsNo
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 10,000 - INR 25,000
Max limitINR 50,000 - INR 1.5 lakh
Cash withdrawal10% - 20%
EMI conversionAt Purchase
Min EMI amountINR 5,000+
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardNo
App featuresBasic Features, Real-time Alerts
Card controlsBlock/Unblock Card
Fraud protectionStandard Security, Zero Liability
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportNo