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 1,000 (based on amount due)
Forex markup1.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 50,000/month
Min income (self-emp.)INR 7,00,000/year
Income requirementIncome Tax Return (ITR) > INR 6 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Welcome bonusINR 500 voucher on INR 5,000 spend
Bonus categoriesLIC premiums, Travel, Shopping, Dining, Entertainment
Travel & lounge
Domestic lounge2 complimentary domestic lounge visits/year
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceTravel insurance (INR 8 lakh), Baggage delay cover
Lifestyle
Dining benefits20% discount on EazyDiner partner restaurants
Fuel surcharge1% fuel surcharge waiver (capped INR 400/month)
ComplimentaryEazyDiner membership, Travel insurance, Roadside Assistance
Special offersMilestone rewards on annual spend thresholds
AdditionalLIC exclusive benefits, Buy One Get One (BOGO) movie offers, Golf access
Credit limit & EMI
EMI optionsYes - SmartEMI with 5% cashback
Insurance & protection
Purchase protectionPurchase protection up to INR 50,000
Other insurancePersonal Accident INR 2 lakh
Coverage detailsTravel: INR 8 lakh, Medical: INR 4 lakh, Personal Accident: INR 2 lakh