Fees
Annual feeNil (per official T&C; DB previously showed INR 1,000 - unverified source)
Joining feeINR 500 + GST
Renewal feeINR 1,000 + GST (waived on first year)
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; assumes RuPay-Select variant)
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 35,000 - INR 50,000
Min income (self-emp.)INR 6 - INR 9 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, Gift Vouchers, Air Miles
Points expiry3 Years
Travel & lounge
Domestic lounge4-8 visits/year
International lounge2-4 visits/year via Priority Pass
Lounge conditionsYes
Insurance coverageYes
Hotel/flight offers5% - 10%
ConciergeYes
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsYes
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 rate1.2% - 1.5% 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 Transaction Alerts, Zero Liability Guarantee
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportYes