Fees
Annual feeINR 250 + GST
Joining feeINR 250 + GST
Renewal feeINR 250 + GST
Fee waiverAnnual fee reversed on spending INR 1,50,000 in preceding year
Spend waiverSpend INR 1,50,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 800 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 200 + GST
Eligibility
Min income (salaried)INR 12,000/month
Min income (self-emp.)INR 1,50,000/year
Income requirementIncome Tax Return (ITR) > INR 2 lakh/year
Credit scoreFair (670 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonus500 EDGE Miles on first spend
Bonus categoriesFuel, Retail, Online shopping
Travel & lounge
Domestic loungeNo domestic lounge access
International loungeNo international lounge access
Lounge conditionsN/A - no lounge access
Travel insuranceINR 5 lakh travel cover (basic)
Lifestyle
Dining benefits3% EDGE Miles on fuel
Fuel surcharge1% fuel surcharge waiver at IOCL (INR 400-INR 5,000), max INR 400/month
ComplimentaryComplimentary travel cover
Special offersSeasonal fuel bonuses
AdditionalIOCL fuel discount opportunities
Credit limit & EMI
EMI optionsYes - SmartEMI
Insurance & protection
Purchase protectionBasic purchase protection
Other insuranceDeath cover INR 2.5 lakh
Coverage detailsTravel: INR 5 lakh, Medical: INR 2.5 lakh