Fees
Annual feeNil (from 2nd year onwards)
Joining feeRs.2,500 + GST
Renewal feeNil (from 2nd year onwards)
Fee waiverFree from 2nd year; 2,000 myCash milestones on Rs.5L & Rs.1L MMT spend
Spend waiverSpend INR 2,50,000 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.35,000 - Rs.50,000
Min income (self-emp.)Rs.4 - Rs.6 lakh/year
Credit score700-750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 4 myCash on MMT hotel/holiday; 2.5 on flights; 2,000 myCash milestone annually
Cashback cap2,000 myCash per milestone
Redemption optionsFlights & Hotels (via MakeMyTrip)
Points expiry1 Year
Travel & lounge
Domestic lounge4-8 visits/year (2 per quarter)
International lounge1 visit/year via DreamFolks
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers10% - 15%
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.75,000 - Rs.1.5 lakh
Max limitRs.3 - Rs.5 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