Fees
Annual feeINR 499 + GST (waived on INR 1,20,000 annual spend)
Joining feeINR 0
Interest rate3.99% per month (47.88% p.a.)
Late paymentStandard YES Bank late payment slab; refer MITC
Forex markupNil – Zero forex markup
Cash advance2.5% of amount (min INR 300) + GST
Eligibility
Min income (salaried)INR 15,000 - INR 25,000 per month
Credit score700
Age range21–60
Rewards & cashback
Cashback %1% unlimited cashback/Uni Coins on all spends; no merchant restriction; no cap
Lifestyle
Fuel surchargeYes – 1% fuel surcharge waiver (up to INR 400/cycle)
Credit limit & EMI
Default limitINR 50000
Max limitINR 300000
EMI conversionYes
Balance transferYes
Insurance & protection
Purchase protectionYes — purchase protection on eligible spends
Lost card liabilityYes — zero liability on fraud reported within 3 working days
Digital & security
ContactlessYes
Virtual cardYes
Card controlsBlock/Unblock Card; Enable/Disable International; Enable/Disable Online; Set Limits; EMI Conversion
Fraud protectionReal-time transaction alerts; AI fraud detection; OTP authentication; Tokenisation; 24x7 monitoring
Zero liabilityZero liability if fraud reported within 3 working days; limited liability thereafter
WhatsApp supportYes