Fees
Annual feeINR 9,999 + GST
Joining feeINR 9,999 + GST
Renewal feeINR 9,999 + GST
Fee waiverAnnual spend of INR 12 lakh in previous year
Spend waiverNo spend-based fee waiver (ultra-premium)
Interest rate3.75% per month (45% per annum)
Late paymentINR 400-INR 1,300 (based on amount due)
Forex markup1.99%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 1,00,000/month
Min income (self-emp.)INR 25 lakh/year+
Credit score780 - 850 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - Monthly milestone: TataCliq voucher INR 1,500 on INR 1L/month; Annual milestone INR 5L+ spends
Redemption optionsFlights & Hotels, Gift Vouchers, Air Miles / Airline Conversion, Bank's own online redemption store
Points expiryNo Expiry
Travel & lounge
Domestic lounge16/year (4 per quarter); add-on cardholders up to 2/quarter
International loungeUnlimited via DreamFolks (1000+ intl lounges) + 1 guest visit/quarter
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers15% - 25%
ConciergeYes
Forex waiver1.0% or Lower
Lifestyle
Fuel surchargeYes
OTT subscriptionsYes
E-commerce offersYes
AdditionalReward point statement redemption capped at 60,000 points/month (eff. April 1, 2026); redemptions in multiples of 4,000 points only.
Credit limit & EMI
Max limitINR 20 lakh+ (No fixed cap)
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
BT interest rate1% per month
Insurance & protection
Purchase protectionYes
Digital & security
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 Credit Card Statement, Raise Service Requests, Spend Analyzer, Block Lost/Stolen Card, Secure Login Options, Unique Features
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, View/Generate Virtual Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization (RBI Mandated), OTP for Online Transactions, Instant Card Block Option, Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes