Fees
Annual feeINR 1,500 + GST
Joining feeINR 1,500 + GST (Lifetime free variant also available)
Renewal feeINR 1,500 + GST
Fee waiverAnnual fee waived on Spend INR 1,25,000 in 12 months
Spend waiverSpend INR 1,25,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,200 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 25,000/month
Min income (self-emp.)INR 3,50,000/year
Income requirementIncome Tax Return (ITR) > INR 5 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusReward points worth INR 500 on fee payment (joining fee variant)
Bonus categoriesTravel, Shopping, Dining, Entertainment, Retail (with category caps from June 2025)
Travel & lounge
Domestic lounge4 complimentary lounge visits per quarter (on INR 1,25,000 spend every 6 months)
International loungeNo international lounge access
Lounge conditionsSpend-based; see lounge_access for details
Travel insuranceTravel insurance (INR 8 lakh), Basic baggage delay cover
Lifestyle
Dining benefitsPartner dining discounts, 20% off at select restaurants
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryComplimentary lounge access, Travel insurance, Roadside assistance
Special offersMilestone PVR tickets (4/year), Birthday bonuses, Partner discounts
AdditionalPartner merchant discounts, Complimentary movie tickets, Birthday rewards
Credit limit & EMI
EMI optionsSmartEMI on purchases above INR 2,500, Flexible tenure
Insurance & protection
Purchase protectionPurchase protection up to INR 1 lakh
Other insurancePersonal Accident INR 2 lakh, Lost Card INR 50,000
Coverage detailsTravel: INR 8 lakh, Personal Accident: INR 2 lakh, Lost Card: INR 50,000