Fees
Annual feeINR 449 + GST
Joining feeINR 449 + GST
Renewal feeINR 449 + 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 (RuPay card)
Eligibility
Min income (salaried)INR 15,000/month
Min income (self-emp.)INR 2,00,000/year
Income requirementIncome Tax Return (ITR) > INR 3 lakh/year
Credit scoreFair (680 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonus1,000 reward points on first INR 500+ transaction within 30 days
Bonus categoriesIndianOil fuel, Grocery, Utilities, Dining, Retail (restricted categories)
Travel & lounge
Domestic loungeNo airport lounge access (railway lounge only via DreamFolks/EliteAssist)
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceComplimentary travel cover (INR 5 lakh)
Lifestyle
Dining benefits2% reward on dining (capped category), Partner restaurant discounts
Fuel surcharge4% cashback on fuel spends (INR 1 per INR 25 spent), Surcharge waiver cap INR 3,500/annum
ComplimentaryRoadside assistance, Travel insurance, Free PVR movie ticket (1/year)
Special offersFuel rewards, Grocery cashback, Birthday bonuses
AdditionalPartner merchant offers, Birthday rewards, Fuel discounts
Credit limit & EMI
EMI optionsSmartEMI on select purchases with flexible tenure
Insurance & protection
Purchase protectionBasic purchase protection (INR 50,000)
Other insurancePersonal Accident INR 2 lakh, Lost Card INR 50,000
Coverage detailsTravel: INR 5 lakh, Personal Accident: INR 2 lakh, Lost Card: INR 50,000