Fees
Annual feeINR 399 + GST
Joining feeINR 0
Renewal feeINR 399 + GST
Fee waiverAnnual fee waived on INR 1 lakh spend in anniversary year
Spend waiverLifetime Free
Interest rate3.99% per month (47.88% per annum)
Late paymentINR 100 - INR 1,300 based on outstanding amount
Forex markup3.50%
Cash advance2.5% of transaction amount (minimum INR 650; raised from INR 500 effective June 15, 2026)
Eligibility
Min income (salaried)INR 25,000/month
Min income (self-emp.)INR 7.5 lakh/year Income Tax Return (ITR)
Credit score700 - 750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate12 Reward Points per INR 200 on dining & travel (= 6% cashback; capped INR 3,000/month); 1% on UPI via RuPay companion (transactions > INR 2,000)
Cashback %6% on dining & travel; 1% on other online/offline/UPI spends
Cashback capINR 3,000/month (6% dining & travel cashback); 1% unlimited on remaining spends
Redemption optionsCashback (direct) - statement credit; NO other redemption options; 1 RP = INR 1
Points expiry3 Years
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offersYes - dining & travel cashback applies at MakeMyTrip, Goibibo, Airbnb, EazyDiner, hotel chains
ConciergeNo
Forex waiver3.5% (standard; no waiver)
Lifestyle
Dining discountsYes - 6% cashback on Zomato, Swiggy, EazyDiner, restaurants
Fuel surchargeYes – 1% waiver on fuel transactions INR 500–INR 3,000 per fueling (standard tier; bands restructured Jun 15, 2026)
OTT subscriptionsNo
E-commerce offersYes - Paisabazaar CreditStrong report & real-time credit score dashboard
Credit limit & EMI
Default limitINR 10,000 - INR 25,000
Max limitINR 1.5 - INR 3 lakh (based on profile)
Cash withdrawalUp to 40% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 2,500+
Balance transferYes
BT interest rateAs per bank offer
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero liability if reported within 3 working days
Digital & security
ContactlessYes
Virtual cardYes - instant virtual RuPay card for UPI
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Block Lost/Stolen Card, Virtual Card View, Secure Login, Credit Score Dashboard (via Paisabazaar app)
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless, Automated Teller Machine (ATM) Withdrawal Toggle, Card PIN Reset, Report Lost/Stolen, View Virtual Card
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions, Zero Liability Guarantee, Mastercard SecureCode
Zero liabilityZero liability if fraud reported within 3 working days; limited 4-7 days; full liability beyond 7 days
WhatsApp supportYes