Fees
Annual feeNil (per official T&C; DB previously showed INR 1,500 - unverified source)
Joining feeINR 1,500 + GST
Renewal feeINR 1,500 + GST
Fee waiverSpend INR 1,50,000 in 12 months
Spend waiverSpend INR 1,00,000 in 12 months
Interest rate1.66% per month (per official T&C)
Late paymentINR 100-INR 400 (based on amount due)
Forex markup2.00%
Cash advance2.5% of amount (min INR 400)
Eligibility
Min income (salaried)INR 40,000 - INR 60,000
Min income (self-emp.)INR 8 - INR 10 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes
Cashback %1.5% - 2%
Cashback capINR 2,000 - INR 3,000/month
Redemption optionsStatement Credit, Air Miles, Gift Vouchers
Points expiry3 Years
Travel & lounge
Domestic lounge4-8 visits/year
International lounge2-4 visits/year
Lounge conditionsYes
Insurance coverageYes
Hotel/flight offers10% - 15%
ConciergeYes
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsLimited
E-commerce offersYes
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 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 featuresReal-time Alerts, Reward Tracking, Equated Monthly Instalment (EMI) Conversion
Card controlsBlock/Unblock, Limit Set, International Enable/Disable
Fraud protectionReal-time Alerts, Zero Liability
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportYes