Fees
Annual feeINR 7,000 + GST (NIL for Insignia Banking customers)
Joining feeINR 7,000 + GST (NIL for Insignia Banking customers)
Renewal feeINR 7,000 + GST (NIL for Insignia Banking customers)
Fee waiverWaived on spends ? INR 10 lakh/year (Insignia: always waived)
Spend waiverNo spend-based fee waiver (banking relationship)
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 markup1.5% Forex Markup
Cash advance2.5% of cash amount (min INR 500)
Eligibility
Min income (salaried)INR 75,000 - INR 1,25,000
Min income (self-emp.)INR 12 - INR 20 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 2X on international spends
Redemption optionsFlights & Hotels; Gift Vouchers; Merchandise; Bank's own online redemption store
Points expiryNo Expiry
Welcome bonus28,000 RP on first retail txn within 30 days
Travel & lounge
Domestic lounge2 visits/quarter at major domestic & intl terminals in India
International lounge6 visits/year via Priority Pass (USD 35 per subsequent visit)
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers10% - 15%
ConciergeYes - concierge services
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsYes
Fuel surchargeYes - 1% waiver on INR 500-INR 4,000; max INR 250/month
Credit limit & EMI
Default limitINR 5 - INR 10 lakh
Max limitINR 10 lakh - INR 20 lakh
Cash withdrawal40% - 60%
EMI conversionInstant
Min EMI amountINR 5,000+
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