Fees
Annual feeINR 1,999 + GST
Joining feeINR 0
Renewal feeINR 1,999 + GST
Fee waiverWaived in first year; waived if previous-year spend ≥ INR 2,70,000
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.)
Min income (self-emp.)INR 10 lakh/year (ITR)
Income requirementSalaried: INR 83,333/month (INR 10 lakh p.a.); Self-employed: INR 10 lakh/year (ITR)
Credit score750+
Age range18 to 65 (salaried); 18 to 70 (self-employed)
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Redemption optionsStatement Credit; Merchant Offers; Travel Bookings
Travel & lounge
Domestic lounge4-8 visits/year (subject to VISA's discretion)
International lounge2-4 visits/year (subject to VISA's discretion)
Lounge conditionsNo
Travel insuranceYes — Group Personal Accident Insurance INR 30 lakh
Hotel/flight offersYes — discounts via VISA partner network
ConciergeYes — 24x7 VISA International Concierge
Forex waiver3.5% (standard rate — no waiver)
Lifestyle
Dining benefitsYes — discounts at partner restaurants
Dining discountsYes — discounts at partner restaurants
Fuel surchargeYes — 1% waiver at all petrol stations, max INR 100/month
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 5 - INR 10 lakh
Cash withdrawal20%-40%
EMI optionsPost-purchase; Yes — EMI options available
EMI conversionPost-purchase
Min EMI amountINR 2,500+
Balance transferYes
BT interest rateAs per bank schedule
Insurance & protection
Purchase protectionNo
Lost card liabilityYes — zero liability if loss reported promptly
Coverage detailsAir Accident Cover
Digital & security
ContactlessYes
Virtual cardYes
App featuresCard Lock/Unlock; View Statements & Due Dates; Autopay Setup; Block Lost/Stolen Card; Real-time Spend Alerts; Set/Modify Limits
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; ATM Withdrawal Toggle; Set Transaction Limits
Fraud protectionReal-time Transaction Alerts; OTP for Online Transactions; Tokenization (RBI Mandated); Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes — UV Connect on WhatsApp 9666606060