Fees
Annual feeINR 2,500 + GST
Joining feeINR 2,500 + GST
Renewal feeINR 2,500 + GST
Fee waiverAnnual fee waived on Spend INR 3,00,000+ in annual year (milestone-based)
Spend waiverSpend INR 3,00,000+ in annual year (milestone-based)
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 1,00,000/month
Min income (self-emp.)INR 12,00,000/year
Income requirementIncome Tax Return (ITR) > INR 8 lakh/year
Credit scoreGood (710 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusZen points worth INR 500 on fee payment
Bonus categoriesShopping (apparels, lifestyle, jewelry), Travel, Dining, Entertainment
Travel & lounge
Domestic lounge8 complimentary domestic lounge visits/year (2/quarter on INR 75,000 prior-quarter spend)
International lounge3 international lounge visits/year via Priority Pass
Lounge conditionsSpend-based; see lounge_access for details
Travel insuranceTravel insurance (INR 10 lakh), Baggage delay & trip cancellation cover
Lifestyle
Dining benefitsPartner restaurant discounts (up to 20% on dining)
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryComplimentary lounge access, Travel insurance, Roadside assistance
Special offersComplimentary movie tickets, Birthday bonuses, Partner merchant discounts
AdditionalPriority Pass membership (3 international lounges/year), Golf access
Credit limit & EMI
EMI optionsSmartEMI on select purchases with flexible tenure
Insurance & protection
Purchase protectionPurchase protection up to INR 1,50,000
Other insurancePersonal Accident INR 5 lakh, Air Accident INR 25 lakh
Coverage detailsTravel: INR 10 lakh, Personal Accident: INR 5 lakh, Air Accident: INR 25 lakh, Lost Card: INR 50,000