Fees
Annual feeINR 750 + GST
Joining feeINR 750 + GST
Renewal feeINR 750 + GST
Fee waiverAnnual fee reversed on spending INR 1,50,000 in preceding year
Spend waiverSpend INR 1,50,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 500 + GST
Eligibility
Min income (salaried)INR 25,000/month
Min income (self-emp.)INR 3,00,000/year
Income requirementIncome Tax Return (ITR) > INR 3.5 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonusINR 1,500 SpiceJet e-voucher on completing 2 transactions in 30 days
Bonus categoriesSpiceJet flight bookings, Flight web purchases, Retail
Travel & lounge
Domestic lounge4 visits/year at domestic airports on INR 50,000 prior-quarter spend
International loungeNo international lounge access
Lounge conditionsNo spend condition
Travel insuranceINR 10 lakh travel cover on SpiceJet flights
Lifestyle
Dining benefits5% discount on SpiceJet partner dining
Fuel surcharge3% fuel surcharge waiver (capped INR 350/month)
ComplimentaryComplimentary SpiceJet lounge access, Travel assistance
Special offersSeasonal SpiceJet bonus offers, Anniversary mile bonuses
AdditionalSpiceJet exclusive offers, Partner benefits
Credit limit & EMI
EMI optionsYes - SpiceJet Equated Monthly Instalment (EMI)
Insurance & protection
Purchase protectionTravel protection up to INR 2 lakh
Other insuranceFlight protection, Medical emergency abroad
Coverage detailsTravel: INR 10 lakh, Baggage Delay: INR 20,000, Medical: INR 5 lakh