Fees
Annual feeINR 500 + GST
Joining feeINR 499 + GST
Renewal feeINR 500 + GST
Fee waiverNo fee waiver; 500 RPs on renewal fee payment
Spend waiverNo spend-based fee waiver
Interest rate3.75% per month (45% per annum)
Late paymentINR 400-INR 1,300 (based on amount due)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 20,000/month
Min income (self-emp.)INR 2.5 - INR 4 lakh/year
Credit score650 - 700 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 10% value back on AC1/AC2/AC3/AC CC tickets via IRCTC
Redemption optionsBank's own online redemption store
Points expiry2 Years
Travel & lounge
Domestic loungeNo domestic airport lounge access
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
Complimentary4 railway lounge visits/year (max 1/quarter) at participating IRCTC lounges
AdditionalReward point statement redemption capped at 60,000 points/month (eff. April 1, 2026); redemptions in multiples of 4,000 points only.
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh (profile based)
Max limitINR 1.5 - INR 3 lakh+ (bank discretion)
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
BT interest rate0% - 0.75% per month
Insurance & protection
Purchase protectionNo
Digital & security
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, 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 (RBI Mandated), OTP for Online Transactions
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes