Fees
Annual feeINR 12,499 + GST
Joining feeINR 12,499 + GST
Renewal feeINR 12,499 + GST
Fee waiverWaived if annual spend ≥ INR 3 lakh (joining) / INR 8 lakh (annual)
Interest rate2.5% per month (30.0% per annum (p.a.))
Late paymentINR 200 (balance < INR 25,000); INR 500 (balance ≥ INR 25,000)
Forex markup3%
Cash advance3% of withdrawal amount (min INR 500)
Eligibility
Min income (salaried)INR 83,333/month (INR 10 lakh p.a.); FD-based: INR 10 lakh FD
Min income (self-emp.)INR 10 lakh/year (ITR); or INR 10 lakh FD
Income requirementSalaried: INR 83,333/month (INR 10 lakh p.a.); FD-based: INR 10 lakh FD; Self-employed: INR 10 lakh/year (ITR); or INR 10 lakh FD
Credit score750+
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes — 10X on online shopping & electronics
Redemption optionsBank's own online redemption store (Union Rewardz); Merchandise; Gift Vouchers; Flights & Hotels
Points expiry3 Years
Travel & lounge
Domestic loungeUnlimited (individual); 6 guest visits/quarter (Domestic & International)
International loungeUnlimited (individual); 6 guest visits/quarter
Lounge conditionsNo
Travel insuranceYes — Personal Accident INR 50 lakh; Air Accident INR 1 Cr; Purchase Protection INR 2 lakh; Baggage Loss INR 20,000; Cyber Insurance INR 2 lakh
Hotel/flight offersYes — ITC Premium Hotels: 2+1 night; Hotel Luxe Elite Plus Membership (15 international chains)
ConciergeYes — Domestic: Golf, Car Rentals, Travel Reservations; International: Lost Passport/Luggage, Embassy, Hospital, Emergency Cash USD 600
Forex waiver3.5% (standard rate — no waiver)
Lifestyle
Dining benefitsYes — Dining exclusives via District (Zomato) or similar; 1+1 Set Menu at ITC Signature restaurants
Dining discountsYes — Dining exclusives via District (Zomato) or similar; 1+1 Set Menu at ITC Signature restaurants
Fuel surchargeNo (not applicable for metal premium card)
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 2 lakh (base limit)
Max limitINR 10 lakh+
Cash withdrawal20%-40%
EMI optionsPost-purchase; Yes — eligible transactions converted to EMI
EMI conversionPost-purchase
Min EMI amountINR 5,000+
Balance transferYes
BT interest rateAs per bank schedule
Insurance & protection
Purchase protectionYes — Purchase Protection INR 2 lakh
Lost card liabilityYes — zero liability if loss reported promptly; nil hotlisting fee
Coverage detailsAir Accident Cover; Lost Baggage / Delay; Travel Liability Cover; Hijack Distress Allowance
Digital & security
ContactlessYes — RuPay EKAA NFC metal card
Virtual cardYes
App featuresCard Lock/Unlock; View Statements & Due Dates; Autopay Setup; Block Lost/Stolen Card; Real-time Spend Alerts; Rewards Tracking & Redemption; Set/Modify Limits; Virtual Card View
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; ATM Withdrawal Toggle; Set Transaction Limits; Control Add-on Card Settings
Fraud protectionReal-time Transaction Alerts; OTP for Online Transactions; Tokenization (RBI Mandated); Instant Card Block Option; AI-Based Risk Monitoring
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes — UV Connect on WhatsApp 9666606060