Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0 (Lifetime Free)
Renewal feeINR 0 (Lifetime Free)
Fee waiverLifetime free
Spend waiverLifetime Free
Interest rateUp to 3.5% p.m.
Late paymentSlab-based as per MITC
Forex markup3.50%
Cash advance2.5% or INR 500, whichever higher
Eligibility
Min income (salaried)INR 20,000/month (young professionals target)
Min income (self-emp.)INR 2.5 - INR 4 lakh/year
Credit score650 - 700 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 20% cashback on weekends at specific brands
Cashback %20% on weekends (Zomato, Blinkit, Ajio, BookMyShow); 1% on all other spends
Cashback capINR 1,000 - INR 2,000/month (indicative cap on weekend cashback)
Redemption optionsCashback (direct) via Fi App, Gift Vouchers, Statement Credit
Points expiryNo Expiry
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offersVia Fi App partner offers
ConciergeNo
Forex waiver3.5% (no waiver)
Lifestyle
Dining discountsYes - Zomato weekend cashback (effective 20%)
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersYes - Ajio, Blinkit, BookMyShow, Zomato (20% weekend cashback)
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal10% - 20% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferNo
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes - instant on Fi App
App featuresReal-time Alerts, Card Lock/Unlock, View Statements, Cashback Tracker, Weekend Rewards Dashboard, Bill Reminders, Spend Analyzer, Autopay
Card controlsBlock/Unblock, Online, Contactless, International, Limits, PIN Reset
Fraud protectionReal-time Alerts, Tokenization, OTP, Instant Block
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes