Fees
Annual feeINR 1,000 + GST
Joining feeINR 1,000 + GST (NIL on new savings account opening)
Renewal feeINR 1,000 + GST
Fee waiverNo spend-based waiver
Spend waiverSpend INR 50,000 in 12 months (waiver on new savings account)
Interest rateUp to 3.99% p.m. (47.88% per annum (p.a.))
Late payment12.5% of outstanding; Min INR 5 - Max INR 1,300
Forex markup3.5% Forex Markup
Cash advance2.5% of cash amount (min INR 500)
Eligibility
Min income (salaried)INR 35,000 - INR 50,000
Min income (self-emp.)INR 6 - INR 9 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 2% on flights, hotels, shops, vouchers
Cashback %2%
Cashback capINR 3,000 milestone cashback
Redemption optionsCashback (direct); Gift Vouchers; Bank's own online redemption store
Points expiryNo Expiry
Welcome bonusVouchers worth INR 1,797 (Swiggy One, Ixigo, BookMyShow) on first txn + fee payment
Travel & lounge
Domestic loungeComplimentary domestic lounge access (per product T&C)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsNo
Fuel surchargeYes
Credit limit & EMI
Default limitINR 1.5 - INR 4 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 rateAs per prevailing rate
Insurance & protection
Purchase protectionYes
Lost card liabilityYes - Zero liability if fraud reported within 3 working days
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts; Card Lock/Unlock; Set/Modify Limits; View Statements & Due Dates; Convert to Equated Monthly Instalment (EMI); Rewards Tracking & Redemption; Autopay Setup; Download CC Statement; Raise Service Requests; Block Lost/Stolen Card
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; Enable/Disable Contactless (Near-Field Communication (NFC)); Automated Teller Machine (ATM) Withdrawal Toggle; Set Transaction Limits; Card PIN Reset; Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts; AI-Based Risk Monitoring; Tokenization (RBI Mandated); OTP for Online Transactions; CVV + Expiry + OTP Combo; Suspicious Transaction Blocking; Instant Card Block Option; Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability if reported within 4-7 working days
WhatsApp supportYes