Fees
Annual feeINR 49/month
Joining feeINR 49/month (no annual fee)
Renewal feeINR 49/month
Fee waiverMonthly fee waived on spending INR 5,000 in next calendar month; new applications closed Dec 2022
Spend waiverNo spend-based waiver (monthly fee model)
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 markup3.50%
Cash advance3% of withdrawn amount (min INR 300)
Eligibility
Min income (salaried)INR 35,000 - INR 50,000
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score700 - 750 (CIBIL score)
Age range18 to 65
Employment typeSalaried
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Cashback %10% off on Blinkit (DIGISMART promo); 10% off on Zomato (DIGISMART promo); up to 20% off on Myntra; Buy One Get One (BOGO) INOX movie tickets on Sat/Sun
Cashback capINR 1,000/month on Blinkit; INR 150/txn on Zomato (5 txn/month); INR 700/month on Myntra; INR 200/txn on INOX (2 txn/month)
Redemption optionsStatement Credit
Points expiryNA (discount card)
Travel & lounge
Domestic lounge1-2 visits/year
International lounge1-2 visits/year
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers5% - 10%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersYes
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate0.99% per month (first 6 months)
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Autopay Setup, Download Credit Card Statement, Raise Service Requests, Block Lost/Stolen Card, Secure Login Options
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, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions, CVV + Expiry + OTP Combo, Instant Card Block Option, Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes