Fees
Annual feeINR 20,000 + GST
Joining feeINR 20,000 + GST
Renewal feeINR 20,000 + GST
Fee waiverNo fee waiver - milestone benefits instead
Spend waiverNo spend-based fee waiver (ultra-premium invite-only)
Interest rate2.99% per month (35.88% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup1.49%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 1.5 lakh+
Min income (self-emp.)INR 25 lakh+/year
Credit score780 - 850 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - up to INR 70,000 milestone benefits annually; EaseMyTrip INR 10,000, Atlys/OneVasco travel INR 10,000, lifestyle vouchers, Zomato Gold, Quorum Club
Cashback capINR 1,00,000/month fuel surcharge waiver cap
Redemption optionsGift Vouchers, Flights & Hotels, Experiences (via Times Black app)
Points expiry3 Years
Travel & lounge
Domestic loungeUnlimited access
International loungeUnlimited (Self only) via Priority Pass
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers15% - 25%
ConciergeYes
Forex waiver1.0% or Lower
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsYes
E-commerce offersYes
AdditionalRewards earned on first INR 20,000 of eligible spend per month only (cap added Jan–Feb 2026). Emeralde Metal: no reward points on fuel, rent, tax or wallet loads.
Credit limit & EMI
Default limitINR 5 - INR 10 lakh
Max limitINR 20 lakh+ (No fixed cap)
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
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, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization, OTP, Instant Card Block, Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes