Fees
Annual feeINR 2,000 + GST
Joining feeINR 2,000 + GST
Renewal feeINR 2,000 + GST
Fee waiverAnnual fee reversed on spending INR 3,00,000 in preceding year
Spend waiverSpend INR 3,00,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,500 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 600 + GST
Eligibility
Min income (salaried)INR 50,000/month
Min income (self-emp.)INR 6,00,000/year
Income requirementIncome Tax Return (ITR) > INR 6 lakh/year
Credit scoreGood to Excellent (720 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonusINR 3,000 SpiceJet e-voucher + INR 2,000 bonus on first SpiceJet booking
Bonus categoriesSpiceJet flights, Hotels, Retail, Entertainment
Travel & lounge
Domestic lounge8 visits/year (max 2/quarter) at domestic airports on INR 50,000 prior-quarter spend
International loungeNo international lounge access
Lounge conditionsNo spend condition
Travel insuranceINR 15 lakh travel cover on SpiceJet flights
Lifestyle
Dining benefits8% discount on SpiceJet partner dining
Fuel surcharge5% fuel surcharge waiver (capped INR 500/month)
ComplimentaryClub Gold membership, Airport transfers assistance, 24x7 travel support
Special offersQuarterly SpiceJet bonus miles, Premium tier upgrade eligibility
AdditionalExclusive SpiceJet deals, Partner hotel discounts (up to 15% on select chains)
Credit limit & EMI
EMI optionsYes - Premium SpiceJet Equated Monthly Instalment (EMI) options
Insurance & protection
Purchase protectionTravel protection up to INR 3.5 lakh
Other insuranceFlight protection, Medical emergency abroad INR 8 lakh
Coverage detailsTravel: INR 15 lakh, Baggage Delay: INR 30,000, Medical: INR 8 lakh, Accidental Death: INR 30 lakh