Fees
Annual feeINR 500 + GST (waived on first year)
Joining feeNil
Renewal feeINR 500 + GST (waived on first year)
Fee waiverSpend INR 50,000 in 12 months
Spend waiverSpend INR 50,000 in 12 months
Interest rate2.8% - 3.5%
Late paymentINR 100-INR 300 (based on amount due)
Forex markup2.50%
Cash advance2% of amount (min INR 300)
Eligibility
Min income (salaried)INR 20,000 - INR 35,000
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score650 - 700 (CIBIL score)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Cashback %0.5% - 1% on select transactions
Cashback capINR 500 - INR 1,000/month
Redemption optionsStatement Credit, Gift Vouchers
Points expiry2 Years
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageLimited
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver2.0% - 2.5%
Lifestyle
Dining discountsLimited
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersLimited
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal10% - 20%
EMI conversionAt Purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferNo
Insurance & protection
Purchase protectionLimited
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardNo
App featuresReal-time Alerts, Equated Monthly Instalment (EMI) Conversion, Basic Controls
Card controlsBlock/Unblock, Basic Limit Control
Fraud protectionReal-time Alerts, Standard Security
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportLimited