Fees
Annual feeINR 2,500 + GST
Joining feeINR 2,500 + GST
Renewal feeINR 2,500 + GST
Fee waiverAnnual fee waived on Spend INR 4,00,000 (10,000 points) or INR 8,00,000 (30,000 points) annually
Spend waiverSpend INR 4,00,000 (10,000 points) or INR 8,00,000 (30,000 points) annually
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,500 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 75,000/month
Min income (self-emp.)INR 9,00,000/year
Income requirementIncome Tax Return (ITR) > INR 10 lakh/year
Credit scoreGood (720 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusReward points worth INR 500 on fee payment
Bonus categoriesAll categories unrestricted (capped for utility/education/wallet)
Travel & lounge
Domestic lounge8 complimentary domestic lounge visits/year (INR 75,000 quarterly spend requirement)
International lounge4 international lounge visits/year via Priority Pass
Lounge conditionsSpend-based; see lounge_access for details
Travel insuranceTravel insurance (INR 10 lakh), Trip cancellation cover INR 50,000
Lifestyle
Dining benefitsExclusive dining at Taj (partner property discounts), 20% off at premium restaurants
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryComplimentary lounge access (8/year), Roadside assistance, Travel insurance
Special offersComplimentary movie tickets (on milestone), Birthday bonuses, Premium partner access
AdditionalConcierge services for bookings, Partner merchant discounts, Golf access
Credit limit & EMI
EMI optionsSmartEMI with flexible tenure, 0% options on select purchases
Insurance & protection
Purchase protectionPurchase protection up to INR 1,50,000
Other insurancePersonal Accident INR 5 lakh, Air Accident INR 25 lakh, Lost Card INR 50,000
Coverage detailsTravel: INR 10 lakh, Personal Accident: INR 5 lakh, Air Accident: INR 25 lakh, Lost Card: INR 50,000