Fees
Annual feeNil (from 2nd year onwards)
Joining feeRs.500 + GST
Renewal feeNil (from 2nd year onwards)
Fee waiverFree from 2nd year; milestone 1,000 myCash on Rs.2.5L & Rs.50K MMT spend
Spend waiverSpend INR 50,000 in 12 months (2nd year onwards; LTF from then)
Interest rate3.40% per month (40.8% per annum)
Late paymentRs.100-Rs.1,300
Forex markup3.50%
Cash advance2.5% of amount (min Rs.500)
Eligibility
Min income (salaried)Rs.20,000 - Rs.35,000
Min income (self-emp.)Rs.2.5 - Rs.4 lakh/year
Credit score650-700 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 3 myCash on MMT hotel/holiday; 2 on flights; 1,000 myCash milestones annually
Cashback cap1,000 myCash per milestone
Redemption optionsFlights & Hotels (via MakeMyTrip)
Points expiry1 Year
Travel & lounge
Domestic lounge1 visit/quarter (on Rs.75,000 quarterly spend)
International lounge0 visits (no lounge benefit)
Lounge conditionsYes
Insurance coverageNo
Hotel/flight offers5% - 10%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes
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 limitRs.25,000 - Rs.75,000
Max limitRs.1.5 - Rs.3 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountRs.2,500 - Rs.3,000
Balance transferYes
BT interest rate0% - 0.75% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization, OTP
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes