Fees
Annual feeINR 3,000 + GST
Joining feeINR 3,000 + GST
Renewal feeINR 3,000 + GST
Fee waiverAnnual fee waived on Spend INR 5,00,000+ in 12 months (waived on milestone)
Spend waiverSpend INR 5,00,000+ in 12 months (waived on milestone)
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,500 (based on amount due)
Forex markup3.5% + GST
Cash advance1% cash withdrawal fee (No interest till due date)
Eligibility
Min income (salaried)INR 75,000/month
Min income (self-emp.)INR 9,00,000/year
Income requirementIncome Tax Return (ITR) > INR 8 lakh/year
Credit scoreGood (710 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonus5,000 Air Miles on joining (welcome bonus)
Bonus categoriesTravel (flights, hotels), Dining, Lifestyle, Retail (all categories)
Travel & lounge
Domestic lounge8 complimentary lounge visits/year, International via Priority Pass
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceTravel insurance (INR 10 lakh), Trip cancellation & baggage cover
Lifestyle
Dining benefitsPartner dining benefits, 5-10% cashback at select restaurants
Fuel surcharge1% fuel surcharge waiver (INR 400-INR 7,500, capped INR 10,000/annum)
ComplimentaryComplimentary lounge access, Travel insurance, Concierge services
Special offersAir Mile transfers, Hotel partnerships, Birthday Air Mile bonuses
AdditionalAir Mile transfer to partner airlines, Hotel partnerships, Upgrade potential
Credit limit & EMI
EMI optionsPremium SmartEMI with flexible tenure, 0% options on travel
Insurance & protection
Purchase protectionPurchase protection up to INR 1,50,000
Other insurancePersonal Accident INR 3 lakh, Air Accident INR 25 lakh
Coverage detailsTravel: INR 10 lakh, Personal Accident: INR 3 lakh, Air Accident: INR 25 lakh, Lost Card: INR 1 lakh