Fees
Annual feeINR 25,000 + GST
Joining feeINR 15,000 + GST
Renewal feeINR 25,000 + GST
Fee waiverAnnual fee waived for FUM-qualified Priority Banking customers (INR 50 lakh+ FUM)
Spend waiverNo spend-based waiver (ultra-premium card)
Interest rate3.75% p.m. (45% per annum (p.a.))
Late paymentNil (?INR 100); INR 100 (INR 101-INR 500); INR 500 (INR 501-INR 5,000); INR 700 (INR 5,001-INR 10,000); INR 1,200 (>INR 10,000)
Forex markup2%
Cash advance3% of withdrawn amount (min INR 300)
Eligibility
Min income (salaried)INR 1.5 lakh+
Min income (self-emp.)INR 25 lakh/year+
Credit score780 - 850 (CIBIL score)
Age range18 to 70
Employment typeBoth
Resident typeIndian Resident & Non-Resident Indian (NRI)
Rewards & cashback
Accelerated rateYes
Cashback %15% cashback on duty-free stores worldwide
Cashback cap4 transactions per year for duty-free cashback
Redemption optionsGift Vouchers, Merchandise, Flights & Hotels, Bank's own online redemption store
Points expiry3 Years
Travel & lounge
Domestic loungeUnlimited access
International loungeUnlimited (Self only)
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers15% - 25%
ConciergeYes
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 10 lakh+
Max limitINR 20 lakh+ (No fixed cap)
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 5,000+
Balance transferYes
BT interest rate0.99% per month (first 6 months)
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Download Credit Card Statement, Raise Service Requests, Block Lost/Stolen Card, Virtual Card View, Secure Login Options, Add-on Card Management, Credit Limit Increase Request
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (Near-Field Communication (NFC)), Automated Teller Machine (ATM) Withdrawal Toggle, Set Transaction Limits, Control Add-on Card Settings, Card PIN Reset, Report Lost/Stolen Card, View/Generate Virtual Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization (RBI Mandated), OTP for Online Transactions, CVV + Expiry + OTP Combo, Spending Pattern Detection, Suspicious Transaction Blocking, Instant Card Block Option, Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes