Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + 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
Eligibility
Min income (salaried)INR 20,000/month
Min income (self-emp.)INR 2,50,000/year
Income requirementIncome Tax Return (ITR) > INR 2.5 lakh/year
Credit scoreFair (690 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusFree PVR INOX movie ticket on first purchase (value INR 300+)
Bonus categoriesMovie tickets, F&B at PVR (15% cashback), Partner merchants
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 benefits5% instant discount on PVR INOX tickets, Buy One Get One (BOGO) offers twice monthly
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryComplimentary roadside assistance, Travel insurance, Card protection
Special offersFree movie tickets (on milestone), 20% F&B discount, Partner offers
AdditionalPVR INOX exclusive offers, Partner discounts, Birthday rewards
Credit limit & EMI
EMI optionsSmartEMI on select purchases with flexible tenure
Insurance & protection
Purchase protectionBasic purchase protection (INR 50,000)
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