Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0 (Lifetime Free)
Renewal feeINR 0 (Lifetime Free)
Fee waiverLifetime Free - no annual fee applicable
Spend waiverLifetime Free (no annual fee)
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 15,000/month
Min income (self-emp.)INR 2,00,000/year
Income requirementIncome Tax Return (ITR) > INR 2.5 lakh/year
Credit scoreFair (680 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusINR 500 intro cashback on INR 5,000+ spend
Bonus categoriesOnline shopping (e-commerce), Dining, Retail, Digital payments
Travel & lounge
Domestic loungeNo lounge access
International loungeNo international lounge access
Lounge conditionsN/A - no lounge access
Travel insuranceComplimentary travel cover (INR 3 lakh)
Lifestyle
Dining benefits1-2% cashback on dining partners, Partner restaurant benefits
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryComplimentary roadside assistance, Travel cover, Digital security
Special offersOnline cashback acceleration, Birthday bonuses, Partner merchant offers
AdditionalPartner merchant offers, Birthday rewards, Cashback acceleration
Credit limit & EMI
EMI optionsSmartEMI on select online purchases with flexible tenure
Insurance & protection
Purchase protectionBasic purchase protection (INR 25,000)
Other insurancePersonal Accident INR 50,000, Lost Card INR 25,000
Coverage detailsTravel: INR 3 lakh, Personal Accident: INR 50,000, Lost Card: INR 25,000