Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Lifetime Free)
Renewal feeNil (Lifetime Free)
Fee waiverLifetime free - no joining, annual, or hidden charges
Interest rateAuto-converts spends to EMI; revolving credit at ~2.5-3.0% per month
Late paymentNil (no foreclosure or prepayment charges on EMI)
Forex markup3.50%
Cash advanceAs per bank schedule
Eligibility
Min income (salaried)INR 20,000 - INR 35,000 (eligibility-based; BharatPe ecosystem)
Min income (self-emp.)INR 4 - INR 6 lakh/year
Income requirementSalaried: INR 20,000 - INR 35,000 (eligibility-based; BharatPe ecosystem); Self-employed: INR 4 - INR 6 lakh/year
Credit score650 - 700 (standard credit check via BharatPe app)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - bonus rewards on EMI-linked spends and timely EMI payments
Cashback %2% effective rewards (not direct cashback)
Cashback capNo Cap / Unlimited
Redemption optionsGift Vouchers; Bank's own online redemption store (BharatPe app); Statement Credit
Points expiryNo Expiry (Zillion Coins - subject to T&C)
Travel & lounge
Domestic lounge4-8 visits/year (complimentary via RuPay Select benefits)
International lounge1-2 visits/year (complimentary via RuPay Select benefits)
Lounge conditionsNo
Travel insuranceNo
Hotel/flight offers5% - 10% via RuPay partner travel offers
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining benefitsYes - via BharatPe partner merchant discounts
Dining discountsYes - via BharatPe partner merchant discounts
Fuel surchargeYes - 1% fuel surcharge waiver
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 25,000 - INR 75,000 (profile-based)
Max limitINR 3 - INR 5 lakh (profile-based)
Cash withdrawalAs per bank schedule
EMI optionsAt Purchase; Post-purchase (auto-EMI conversion model); Yes - auto-converts all monthly purchases to EMI; no-cost EMI on select merchants; flexible tenures up to 12 months
EMI conversionAt Purchase; Post-purchase (auto-EMI conversion model)
Min EMI amountINR 1,500 - INR 2,000
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - zero liability if reported promptly
Digital & security
ContactlessYes - NFC enabled
Virtual cardYes
App featuresReal-time Spend Alerts; Card Lock/Unlock; View Statements & Due Dates; Convert to EMI; Rewards Tracking & Redemption; Autopay Setup; Raise Service Requests; Spend Analyzer
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; ATM Withdrawal Toggle; Set Transaction Limits; Card PIN Reset
Fraud protectionReal-time Transaction Alerts; Tokenization (RBI Mandated); OTP for Online Transactions; Instant Card Block Option; AI-Based Risk Monitoring
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability 4-7 days
WhatsApp supportYes - via BharatPe app