Fees
Annual feeINR 999 + GST
Joining feeINR 999 + GST
Renewal feeINR 999 + GST
Fee waiverAnnual fee waived on Spend INR 1,00,000 in 12 months
Spend waiverSpend INR 1,00,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,000 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 20,000/month
Min income (self-emp.)INR 2,50,000/year
Income requirementIncome Tax Return (ITR) > INR 3.5 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusINR 500 reward voucher on fee payment
Bonus categoriesMovies, Entertainment, Dining, Retail, Travel (restricted categories)
Travel & lounge
Domestic loungeNo lounge access
International loungeNo international lounge access
Lounge conditionsN/A - no lounge access
Travel insuranceComplimentary travel cover (INR 5 lakh)
Lifestyle
Dining benefits10% cashback on movies, 4 free PVR tickets or INR 750 cashback, 15% F&B discount
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryRoadside assistance, Travel insurance, Movie cashback
Special offersMovie cashback (10%), Free PVR tickets, Birthday bonuses, Partner offers
AdditionalPVR/INOX partnership benefits, Birthday movie vouchers, Partner discounts
Credit limit & EMI
EMI optionsSmartEMI on select purchases 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