Fees
Annual feeNIL
Joining feeNIL
Interest rateUp to 3.99% p.m. (47.88% 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 50,000 - INR 75,000 per month
Credit score700 - 750 (CIBIL score)
Rewards & cashback
Accelerated rate5 reward points per INR 100 on dining, entertainment, and weekend spends
Travel & lounge
Domestic lounge4 complimentary domestic lounge visits per year (1 per quarter) — requires INR 35,000 spend in preceding quarter
Forex waiver3.5% + GST (standard rate; no waiver)
Lifestyle
Fuel surcharge1% fuel surcharge waiver; max INR 150 per month
Credit limit & EMI
Default limitINR 2 - INR 4 lakh
Max limitINR 3 - INR 5 lakh
EMI conversionPost-purchase
Balance transferYes
Insurance & protection
Purchase protectionYes — purchase protection on eligible spends
Lost card liabilityYes — zero liability if fraud reported within 3 working days of card loss
Digital & security
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; Set Spend Limits; EMI Conversion
Fraud protectionReal-time Transaction Alerts; AI-Based Risk Monitoring; Tokenization (RBI Mandated); OTP-based online transactions
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability thereafter per RBL Bank policy
WhatsApp supportYes