Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Virtual card free; Physical card: INR 299 one-time)
Renewal feeNil (Lifetime Free)
Fee waiverNA - Lifetime free card
Interest rateUp to 3% per month (36% per annum)
Late paymentNil if credit limit below INR 100; 5% of TAD if below INR 2,000; 10% of TAD (capped at INR 1,250) if INR 2,000 or above
Forex markup3% of transaction value
Cash advance5% of amount or INR 25 (domestic; whichever is higher); 5% of amount or INR 500 (international; whichever is higher)
Eligibility
Min income (salaried)NA (FD-backed; minimum FD of INR 100)
Min income (self-emp.)NA (FD-backed; minimum FD of INR 100)
Income requirementSalaried: NA (FD-backed; minimum FD of INR 100); Self-employed: NA (FD-backed; minimum FD of INR 100)
Credit score0 - 650 (No minimum CIBIL required; FD-backed secured card)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 5% cashback on Myntra; 3% cashback on Cleartrip; 2% cashback on Flipkart (all non-UPI)
Cashback %1% base; 2%-5% accelerated on partner brands
Cashback capINR 500/statement cycle per partner category (Myntra, Cleartrip, Flipkart capped individually at INR 500 each per cycle)
Redemption optionsCashback (direct statement credit)
Points expiryNA (cashback credited directly)
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceNo
Hotel/flight offers3% via Cleartrip (cashback)
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining benefitsNo
Dining discountsNo
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersYes - Myntra (5%), Flipkart (2%), Cleartrip (3%) cashback
Credit limit & EMI
Default limitUp to 90% of FD value (min FD INR 100; no fixed stated default)
Max limitINR 50,000 - INR 1.5 lakh (based on FD size)
Cash withdrawalUp to 20% of credit limit
EMI optionsPost-purchase; Yes - at participating merchants
EMI conversionPost-purchase
Min EMI amountINR 1,500 - INR 2,000
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes - instant virtual card via super.money app
App featuresReal-time Spend Alerts; Card Lock/Unlock; View Statements & Due Dates; Rewards Tracking & Redemption; Virtual Card View; UPI Payments (RuPay linked)
Card controlsBlock/Unblock Card; Enable/Disable Online Transactions; Enable/Disable Contactless (NFC); Card PIN Reset; Report Lost/Stolen Card; View/Generate Virtual Card
Fraud protectionReal-time Transaction Alerts; OTP for Online Transactions; Tokenization (RBI Mandated); Instant Card Block Option; Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days; limited liability if reported within 4-7 days; full liability if delayed beyond 7 days without valid reason
WhatsApp supportNo