Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Physical card fee: INR 200)
Renewal feeNil (Lifetime Free)
Fee waiverN/A - Lifetime free card
Interest rate3.5% per month (42% per annum)
Late payment2.5% of outstanding or INR 200, whichever is higher
Forex markup3%
Cash advance2.5% of amount or INR 250, whichever is higher
Eligibility
Min income (salaried)None required; min FD INR 5,000
Min income (self-emp.)None required (FD-backed)
Income requirementSalaried: None required; min FD INR 5,000; Self-employed: None required (FD-backed)
Credit scoreNo credit score required
Age range18+
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - UPI transactions via MobiKwik @ikwik handle earn SuperCash (e.g. INR 22 on eligible UPI transactions)
Cashback %SuperCash on UPI transactions; welcome benefits on activation (3 months): Amazon Prime, Yatra, Boat, EazyDiner, Gaana offers
Cashback capGift card SuperCash redemption capped at 10% of total SuperCash balance
Redemption optionsCashback (via MobiKwik app), Gift Vouchers (10% cap on SuperCash for gift cards)
Points expirySubject to MobiKwik T&C (typically no expiry while card active)
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceNo
Hotel/flight offersYes - welcome benefit: Yatra discount vouchers
ConciergeNo
Forex waiverNo waiver (3% charged)
Lifestyle
Dining benefitsYes - EazyDiner offers in welcome benefits
Dining discountsYes - EazyDiner offers in welcome benefits
Fuel surchargeYes - 1% surcharge
OTT subscriptionsYes - Amazon Prime, Gaana in welcome benefit (3 months from activation)
E-commerce offersYes - MobiKwik app: gift card purchases, bill payments, recharges
ComplimentaryOTT: Yes - Amazon Prime, Gaana in welcome benefit (3 months from activation)
Credit limit & EMI
Default limit90% of FD amount (min FD INR 5,000)
Max limitBased on FD amount
Cash withdrawal30% of credit limit
EMI optionsNo; No
EMI conversionNo
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes (RuPay - UPI enabled)
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Rewards Tracking & Redemption, Block Lost/Stolen Card, Virtual Card View
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Card PIN Reset, Report Lost/Stolen Card, View/Generate Virtual Card
Fraud protectionOTP for Online Transactions, Tokenization (RBI Mandated), Real-time Transaction Alerts, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportNo