Fees
Annual feeINR 4,999 + GST
Joining feeINR 4,999 + GST
Renewal feeINR 4,999 + GST
Fee waiverNo spend-based waiver
Spend waiverSpend INR 4,00,000 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 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 rate5% via 20 RP/INR 100 on dining (cap 2,000 RP/mo); 20 RP/INR 100 on international (cap 2,000 RP/mo); 1+1 BookMyShow (up to INR 200)/month; fuel waiver max INR 200/mo
Redemption optionsFlights & Hotels; Gift Vouchers; Merchandise; Bank's own online redemption store
Points expiry2 Years
Welcome bonus20,000 RP on joining fee + INR 2,000 spend within 30 days
Travel & lounge
Domestic lounge8/year at major domestic airports; spend-gated INR 35,000 prior quarter
International loungeNo international lounge access
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers5% - 10%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes - dining 10X reward
Fuel surchargeYes - 1% waiver (max INR 150/month)
Credit limit & EMI
Default limitINR 5 - INR 10 lakh
Max limitINR 10 lakh - INR 20 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
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