Fees
Annual feeINR 500 + GST
Joining feeINR 500 + GST
Renewal feeINR 500 + GST
Fee waiverAnnual fee reversed on spending INR 1,50,000 in preceding year
Spend waiverSpend INR 1,50,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,200 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 400 + GST
Eligibility
Min income (salaried)INR 50,000/month
Min income (self-emp.)INR 6,00,000/year
Income requirementIncome Tax Return (ITR) > INR 3 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonusINR 1,500 Samsung voucher on first purchase
Bonus categoriesSamsung products, Electronics, Dining, Travel
Travel & lounge
Domestic lounge2 complimentary domestic lounge visits/year
International loungeNo international lounge access
Lounge conditionsNo spend condition
Travel insuranceINR 8 lakh travel cover
Lifestyle
Dining benefits5% cashback on Samsung products, 2% on dining partners
Fuel surcharge1% fuel surcharge waiver (capped INR 400/month)
ComplimentaryComplimentary tech support insurance, Extended warranty on Samsung purchases
Special offersQuarterly Samsung promotions, Tech exclusive launches
AdditionalSamsung exclusive deals, Technology partner offers
Credit limit & EMI
EMI optionsYes - SmartEMI on Samsung products (0% interest on select items)
Insurance & protection
Purchase protectionBasic purchase protection
Other insuranceDeath cover INR 5 lakh
Coverage detailsTravel: INR 8 lakh, Tech damage: INR 50,000