Fees
Annual feeINR 5,000 + GST
Joining feeINR 5,000 + GST
Renewal feeINR 5,000 + GST
Fee waiverAnnual spend of INR 6 lakh in previous year
Spend waiverSpend INR 3,00,000 in 12 months
Interest rate3.40% per month (40.8% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 75,000 - INR 1,25,000
Min income (self-emp.)INR 9 - INR 12 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 4 InterMiles on travel/intl.; 10,000 InterMiles joining bonus; 5% discount on Etihad Economy; 10% on Business Class via InterMiles; annual cap 60,000 InterMiles
Cashback cap60,000 InterMiles annual cap; uncapping fee INR 7,500
Redemption optionsAir Miles / Airline Conversion (InterMiles/Etihad), Flights & Hotels
Points expiry3 Years
Travel & lounge
Domestic lounge4-8 visits/year (2 per quarter)
International lounge2 visits/year + 2 spa sessions via DreamFolks
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers10% - 15%
ConciergeYes
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
AdditionalRewards earned on first INR 10,000 of eligible spend per month only (cap added Jan–Feb 2026).
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 5 - INR 10 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 protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Rewards Tracking & Redemption, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization, OTP, Instant Card Block
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes