Fees
Annual feeINR 9,999 + GST (Waived for Privy League members)
Joining feeINR 9,999 + GST (Waived for Privy League members)
Renewal feeINR 9,999 + GST (Waived for Privy League members)
Fee waiverAnnual fee waived on Spend INR 12,00,000 in 12 months
Spend waiverSpend INR 12,00,000 in 12 months
Interest rate3.50% per month (42% 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 1,00,000/month
Min income (self-emp.)INR 15,00,000/year
Income requirementIncome Tax Return (ITR) > INR 12 lakh/year
Credit scoreGood (720 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusINR 1,500 White Pass value on INR 30,000 spend within 60 days
Bonus categoriesDining, Travel, Entertainment, Premium retail, Lifestyle purchases
Travel & lounge
Domestic lounge8 complimentary domestic lounge visits/year
International lounge3 international lounge visits/year via Priority Pass; USD 35/guest after exhausted (WEF 01-Oct)
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceTravel insurance (INR 5 lakh), Trip cancellation cover INR 25,000
Lifestyle
Dining benefitsPartner restaurant discounts via exclusive partnerships
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 3,000, capped INR 3,500/annum)
ComplimentaryComplimentary lounge access, White Pass rewards redemption at premium brands
Special offersComplimentary movie tickets, Golf rounds, Exclusive partner access
AdditionalExclusive brand partnerships, Milestone-based cashback, Priority Pass membership
Credit limit & EMI
EMI optionsSmartEMI with flexible tenure, 0% options on select purchases
Insurance & protection
Purchase protectionPurchase protection up to INR 1 lakh
Other insurancePersonal Accident INR 3 lakh, Air Accident INR 25 lakh
Coverage detailsTravel: INR 5 lakh, Personal Accident: INR 3 lakh, Air Accident: INR 25 lakh, Lost Card: INR 50,000