Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverSpend INR 1,20,000 or more in previous membership year
Spend waiverSpend INR 50,000 in 12 months
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Cash advance3% of withdrawn amount (min INR 300)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 20,000 - INR 35,000
Min income (self-emp.)INR 2.5 - INR 4 lakh/year
Credit score700 - 750 (CIBIL score)
Age range18 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Cashback %2% on online spends; 1% on offline spends (excl. fuel & cash)
Cashback capINR 1,000/month online; INR 500/month offline; total INR 1,500/month (INR 18,000/year)
Redemption optionsCashback (direct)
Points expiryNA (cashback card)
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo spend condition (see issuer for current terms)
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsNo
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersNo
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 (promo, first 6 months)
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - zero liability if fraud reported promptly
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, Virtual Card View, 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, View/Generate Virtual 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