Fees
Annual feeINR 399 + GST
Joining feeINR 0 (Lifetime Free; INR 399 + GST annual fee from 2nd year)
Renewal feeINR 399 + GST
Fee waiverAnnual fee waived on INR 1.5 lakh spend in an anniversary year
Spend waiverSpend INR 50,000 in 12 months
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 rate5 additional POPcoins per INR 100 on POP UPI transactions (total 7/INR 100 via POP app); accelerated coins on 500+ selected brands via POPclub app
Cashback %Effectively up to 10% on online spends (via POPcoins)
Cashback cap1,500 bonus POPcoins on INR 1.5 lakh annual spend milestone
Redemption optionsGift Vouchers, Cashback (direct via POP app), OTT / Subscriptions, Bank's own online redemption store - all via POPclub app (500+ brands)
Points expiryNo Expiry
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offersYes - Cleartrip voucher INR 750 (welcome); partner brand offers via POP app
ConciergeNo
Forex waiver3.5% (standard; no waiver)
Lifestyle
Dining discountsYes - 3-month Zomato Gold membership (welcome benefit)
Fuel surchargeYes – 1% waiver on fuel transactions INR 500–INR 3,000 per fueling (standard tier; bands restructured Jun 15, 2026)
OTT subscriptionsYes - 6-month PharmEasy Plus membership (welcome); 2 Rapido rides/month (24 passes/year)
E-commerce offersYes - POPclub app ecosystem with 500+ brands; Cult.fit voucher INR 500 (welcome)
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
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption (via POP app), Autopay Setup, Block Lost/Stolen Card, Virtual Card View, Secure Login
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
Zero liabilityZero liability if fraud reported within 3 working days; limited 4-7 days; full liability beyond 7 days
WhatsApp supportYes