Fees
Annual feeINR 5,000 + GST (lifetime waived)
Joining feeINR 5,000 + GST
Renewal feeINR 5,000 + GST (lifetime waived)
Fee waiverComplimentary
Spend waiverSpend INR 2,00,000 in 12 months
Interest rate2.5% - 3.0%
Late paymentINR 500-INR 1,300 (based on amount due)
Forex markup0% (Full Waiver)
Cash advance2.5% of amount (min INR 1,000)
Eligibility
Min income (salaried)INR 1.5 lakh+
Min income (self-emp.)INR 25 lakh/year+
Credit score800 or above (CIBIL)
Age range25 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes
Cashback %Up to 10% on selected partners
Cashback capNo Cap / Unlimited
Redemption optionsAir Miles, Flights & Hotels, Statement Credit
Points expiryNo Expiry
Travel & lounge
Domestic loungeUnlimited access
International loungeUnlimited + Guest
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers20% - 30%
ConciergeYes
Forex waiver0% (Full Waiver)
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsYes
E-commerce offersYes
Credit limit & EMI
Default limitINR 5 - INR 10 lakh
Max limitINR 20 lakh+ (No fixed cap)
Cash withdrawal60% - 80%
EMI conversionInstant
Min EMI amountINR 1,500 - INR 2,000
Balance transferYes
BT interest rate0% - 0.75% per month (promo)
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresSpend Analyzer, Reward Tracking, Priority Support
Card controlsBlock/Unblock, Complete Control Options, Geo-Locking
Fraud protectionAI-Based, Behavioral Biometrics, Zero Liability
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportYes