Fees
Annual feeINR 2,999 + GST (waived 2nd year onwards on INR 3L spend)
Joining feeINR 2,999 + GST
Renewal feeINR 2,999 + GST (waived 2nd year onwards on INR 3L spend)
Fee waiverAnnual spend of INR 3 lakh from 2nd year onwards
Spend waiverSpend INR 1,00,000 in 12 months (Lifetime Free thereafter)
Interest rate3.40% per month (40.8% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup0.99%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 35,000 - INR 50,000
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 6% on hotel bookings, 3% on flight/bus/cab via MMT; INR 1,000 MMT voucher + MMT Black Gold Membership on joining
Cashback %6%
Cashback capNo cap on myCash earning; myCash expires with account closure
Redemption optionsFlights & Hotels (via MakeMyTrip), Statement Credit
Points expiryNo Expiry (while account active)
Travel & lounge
Domestic lounge4-8 visits/year (2 per quarter)
International lounge1 visit/year
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers10% - 15%
ConciergeNo
Forex waiver0% (Full Waiver)
Lifestyle
Dining discountsNo
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersYes
AdditionalRewards earned on first INR 10,000 of eligible spend per month only (cap added Jan–Feb 2026).
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Rewards Tracking & Redemption, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization, OTP, Instant Card Block
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes