Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverWaived on spends ? INR 2 lakh/year
Spend waiverSpend INR 50,000 in 12 months
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 20,000 - INR 35,000
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score650 - 700 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 20% cashback on Zomato; 2X online
Cashback %20%
Cashback capINR 100 - INR 500/transaction
Redemption optionsGift Vouchers; Cashback (direct); Bank's own online redemption store
Points expiry2 Years
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes - Zomato 20% cashback
Fuel surchargeNo
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 75,000 - INR 1.5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 1,500 - INR 2,000
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