Fees
Annual feeINR 0 (Waived for Privy League members)
Joining feeINR 0 (Waived for Privy League members)
Renewal feeINR 0 (Waived for Privy League members)
Fee waiverLifetime Free - no annual fee applicable
Spend waiverPrivy League membership status
Interest rate3.50% per month (42% per annum (p.a.))
Late paymentWaived for Privy League members
Forex markup3.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 2,00,000/month
Min income (self-emp.)INR 25,00,000/year
Income requirementNet worth > INR 50 lakh (Privy League eligibility)
Credit scoreExcellent (740 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusComplimentary membership benefits (exclusive)
Bonus categoriesTravel, Dining, Lifestyle, Entertainment (all categories available)
Travel & lounge
Domestic lounge4 complimentary Priority Pass lounge visits/year (International access)
International lounge4 international lounge visits/year via Priority Pass (paid variant only)
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceComprehensive travel insurance (INR 10 lakh+), Trip cancellation cover
Lifestyle
Dining benefitsPremium dining privileges at Taj properties & partner restaurants
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryComplimentary lounge access, Travel insurance, Concierge services
Special offersComplimentary travel insurance, Exclusive Privy events, Premium partner access
AdditionalExclusive Privy League events, Partner benefits, VIP treatment
Credit limit & EMI
EMI optionsPremium SmartEMI with 0% options on select purchases
Insurance & protection
Purchase protectionPurchase protection up to INR 2 lakh
Other insurancePersonal Accident INR 5 lakh, Air Accident INR 50 lakh, Lost Card INR 1 lakh
Coverage detailsTravel: INR 10 lakh, Personal Accident: INR 5 lakh, Air Accident: INR 50 lakh, Lost Card: INR 1 lakh