Fees
Annual feeINR 1,000 + GST
Joining feeINR 1,000 + GST
Renewal feeINR 1,000 + 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 1,000 (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 3.5 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusReward points worth INR 500 on fee payment
Bonus categoriesShopping, Entertainment, Travel, Dining (with category restrictions from June 2025)
Travel & lounge
Domestic loungeNo airport lounge access (railway lounge only via DreamFolks/EliteAssist)
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceTravel insurance (INR 5 lakh), Basic cover
Lifestyle
Dining benefitsPartner dining benefits, 10% cashback on select restaurants
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryRailway lounge access, Travel insurance, Roadside assistance
Special offersMilestone PVR tickets, Birthday bonuses, Partner discounts
AdditionalPartner merchant offers, PVR milestone tickets, Birthday rewards
Credit limit & EMI
EMI optionsSmartEMI on select purchases with flexible tenure
Insurance & protection
Purchase protectionPurchase protection up to INR 75,000
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