Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0
Renewal feeINR 0 (Lifetime Free)
Fee waiverLifetime free - FD backed secured card
Spend waiverLifetime Free
Interest rateUp to 3.5% p.m. (secured card rate)
Late paymentSlab-based as per MITC
Forex markup3.50%
Cash advance2.5% or INR 500, whichever higher
Eligibility
Min income (salaried)NA - FD-backed secured card; eligible for first-time credit users
Min income (self-emp.)NA - FD backed
Credit score0 - 650 (suitable for building credit history) (CIBIL score)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 10X on Fi platform weekend spends
Cashback %Varies per category/offer on Fi app
Cashback capINR 100 - INR 500/month (indicative)
Redemption optionsCashback (direct), Gift Vouchers, Statement Credit, Air Miles (via Fi app)
Points expiryNo Expiry
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offersVia Fi app partner offers
ConciergeNo
Forex waiver3.5% (no waiver)
Lifestyle
Dining discountsYes - via Fi app restaurant offers
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersYes - 20X rewards on brands like Zomato, Blinkit, Ajio, BookMyShow (on weekends via Fi app)
Credit limit & EMI
Default limitINR 10,000 - INR 25,000 (up to 80% of FD amount, min FD INR 10,000)
Max limitINR 50,000 - INR 1.5 lakh (capped at 80% of FD value)
Cash withdrawal10% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferNo
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes - instant virtual card on Fi App
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Rewards Tracking, Cashback Tracking, Bill Reminders, Spend Analyzer, Autopay, Secure Login (Biometric)
Card controlsBlock/Unblock, Online Transactions, Contactless, International, PIN Reset
Fraud protectionReal-time Alerts, Tokenization, OTP, Instant Block
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes - Fi App