Fees
Annual feeLifetime Free
Joining feeLifetime Free
Renewal feeLifetime Free
Fee waiverLifetime Free - no annual fee applicable
Spend waiverLifetime Free
Interest rate0.75%-3.5% per month (9%-42% per annum (p.a.))
Late paymentINR 100-INR 800 (based on amount due)
Forex markup1.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 20,000/month
Min income (self-emp.)INR 3,00,000/year
Income requirementIncome Tax Return (ITR) > INR 3 lakh/year
Credit scoreFair (680 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Welcome bonusINR 500 voucher on INR 5,000 spend
Bonus categoriesLIC premiums, Shopping, Dining, Online
Travel & lounge
Domestic loungeNo lounge access
International loungeNo lounge access
Lounge conditionsN/A - no lounge access
Travel insuranceComplimentary travel insurance (INR 5 lakh)
Lifestyle
Dining benefits7% discount on select dining
Fuel surcharge1% fuel surcharge waiver (capped INR 300/month)
ComplimentaryRoadside Assistance, Travel insurance, Railway lounge
Special offersBonus points on LIC premium payments
AdditionalLIC exclusive offers, Never-expiring rewards, Partner benefits
Credit limit & EMI
EMI optionsYes - SmartEMI with 5% cashback
Insurance & protection
Purchase protectionBasic purchase protection (INR 25,000)
Other insurancePersonal Accident INR 50,000
Coverage detailsTravel: INR 5 lakh, Personal Accident: INR 50,000