Fees
Annual feeINR 0 + GST (Lifetime Free)
Joining feeINR 500 + GST
Renewal feeINR 0 + GST (Lifetime Free)
Fee waiverNo renewal fee
Spend waiverLifetime Free
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 range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes
Cashback %5% - 10% on Zomato Food Orders
Cashback capINR 500 - INR 1,000/month on Zomato
Redemption optionsZomato Credits, Statement Credit, Food Vouchers
Points expiry2 Years
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver2.0% - 2.5%
Lifestyle
Dining discountsYes
Fuel surchargeNo
OTT subscriptionsLimited
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 cardYes
App featuresZomato Integration, Real-time Alerts, Equated Monthly Instalment (EMI) Conversion
Card controlsBlock/Unblock, Limit Set
Fraud protectionReal-time Alerts, Standard Security
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportYes