Fees
Annual feeNil (Lifetime Free)
Joining feeINR 500+GST (FD INR 2,000); INR 250+GST (FD INR 5,000); Nil (FD >INR 5,000)
Renewal feeNil (Lifetime Free)
Fee waiverNo annual/renewal fee from year 2 onwards
Interest rate3% per month (42.58% per annum)
Late paymentNil (≤INR 100); INR 250 (INR 101-INR 1,000); INR 500 (INR 1,001-INR 10,000); INR 750 (>INR 10,000)
Forex markup3.50%
Cash advance2.5% of amount or INR 250 minimum
Eligibility
Min income (salaried)None required; min FD INR 2,000 (virtual card only)
Min income (self-emp.)None required (FD-backed)
Income requirementSalaried: None required; min FD INR 2,000 (virtual card only); Self-employed: None required (FD-backed)
Credit scoreNo credit score required; suitable for credit rebuilders
Age range18+
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo (flat rate; no accelerated categories)
Cashback %Effective 0.25% cashback on eligible spends
Cashback capNo stated monthly cap
Redemption optionsStatement Credit (via Paisabazaar app)
Points expiryNo Expiry
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 offersNo
ConciergeNo
Forex waiverNo waiver (3.5% charged)
Lifestyle
Dining benefitsYes - periodic RuPay/Visa/Mastercard network offers
Dining discountsYes - periodic RuPay/Visa/Mastercard network offers
Fuel surchargeYes - fuel surcharge up to 2% on petrol/diesel transactions
OTT subscriptionsNo
E-commerce offersNo dedicated tie-ups
Credit limit & EMI
Default limit90% of FD amount (min FD INR 2,000, only virtual card at lowest; INR 5,000 for physical)
Max limitBased on FD amount
Cash withdrawal40% of credit limit
EMI optionsNo; No
EMI conversionNo
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes - Instant virtual card on min FD INR 2,000
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