Fees
Annual feeINR 500 + GST
Joining feeINR 500 + GST
Renewal feeINR 500 + GST
Fee waiverAnnual fee waived on Spend INR 50,000 in 12 months
Spend waiverSpend INR 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 199 + GST
Eligibility
Min income (salaried)INR 0 (digital/app-based card)
Min income (self-emp.)INR 0 (digital/app-based card)
Income requirementIncome Tax Return (ITR) > INR 2.5 lakh/year
Credit scoreFair (680 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonus500 reward points on INR 3,000 spend within 30 days
Bonus categoriesOnline shopping, Dining, Retail, Entertainment, Travel (restricted categories)
Travel & lounge
Domestic loungeNo airport lounge access (railway lounge only via DreamFolks/EliteAssist)
International loungeNo international lounge access
Lounge conditionsSpend-based; see lounge_access for details
Travel insuranceComplimentary travel cover (INR 5 lakh), Basic cover
Lifestyle
Dining benefits5% cashback on dining (select partners), Partner discounts
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryComplimentary roadside assistance, Travel insurance, Railway lounge access
Special offersMilestone PVR tickets, Birthday bonuses, Partner discounts
AdditionalPartner merchant offers, Birthday bonuses, Equated Monthly Instalment (EMI) conversion benefits
Credit limit & EMI
EMI optionsSmartEMI on purchases >INR 2,500 with flexible tenure
Insurance & protection
Purchase protectionBasic purchase protection (INR 75,000)
Other insurancePersonal Accident INR 1 lakh, Lost Card INR 50,000
Coverage detailsTravel: INR 5 lakh, Personal Accident: INR 1 lakh, Lost Card: INR 50,000