Fees
Annual feeNil (Lifetime Free)
Joining feeINR 0
Renewal feeNil (Lifetime Free)
Fee waiverN/A - Lifetime free card
Interest rate3.5% per month (42% per annum)
Late paymentINR 299
Forex markup2.49%
Cash advance3.5% of amount or INR 300, whichever is higher
Eligibility
Min income (salaried)None required (FD-backed)
Min income (self-emp.)None required (FD-backed)
Income requirementSalaried: None required (FD-backed); Self-employed: None required (FD-backed)
Credit scoreNo credit score required
Age range18+
Employment typeBoth (salaried & self-employed)
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - up to 15% rewards on voucher transactions via ZET App
Cashback %5% cashback on Amazon Pay (min INR 10,000 spend/month); 8% on Flipkart (min INR 5,000); 20% on Myntra
Cashback capOffer-specific caps; up to INR 100/month on Swiggy/Zomato
Redemption optionsGift Vouchers (via ZET App), Cashback (direct to bank)
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 offersNil
ConciergeNo
Forex waiverNo waiver (2.49% charged)
Lifestyle
Dining benefitsYes - up to 20% off on Swiggy & Zomato (max INR 100/month each, 2x/month), INR 100 off on BookMyShow
Dining discountsYes - up to 20% off on Swiggy & Zomato (max INR 100/month each, 2x/month), INR 100 off on BookMyShow
Fuel surchargeYes - 1% surcharge fee waived
OTT subscriptionsNo
E-commerce offersYes - Amazon (5% cashback), Flipkart (8% cashback), Myntra (20% cashback)
Credit limit & EMI
Default limit90% of FD amount (min FD INR 5,000)
Max limitBased on FD; no fixed upper cap stated
Cash withdrawal50% of credit limit
EMI optionsNo; No
EMI conversionNo
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero liability if reported promptly
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Rewards Tracking & Redemption, Secure Login Options, 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, CVV + Expiry + OTP Combo, Instant Card Block Option, Real-time Transaction Alerts, Tokenization (RBI Mandated)
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportNo