Fees
Annual feeINR 1,499 + GST
Joining feeINR 1,499 + GST
Renewal feeINR 1,499 + GST
Fee waiverNo fee waiver available
Spend waiverSpend INR 1,50,000 in 12 months
Interest rate3.99% per month (47.88% per annum)
Late paymentINR 150 - INR 1,000 based on outstanding amount
Forex markup3.40%
Cash advance2.5% of transaction amount (minimum INR 650; raised from INR 300 effective June 15, 2026)
Eligibility
Min income (salaried)INR 25,000/month
Min income (self-emp.)INR 5 lakh/year Income Tax Return (ITR)
Credit score700 - 750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate30 Reward Points per INR 200 on chemist / pharmaceutical stores
Cashback cap300 reward points cap per cycle on utility spends
Redemption optionsFlights & Hotels, Gift Vouchers, Merchandise, YES Rewardz portal
Points expiry3 Years
Travel & lounge
Domestic lounge2 visits/quarter (conditional: INR 50,000 spend in preceding quarter)
International lounge0 visits (no lounge benefit)
Lounge conditionsYes - INR 50,000 spend in preceding quarter
Insurance coverageYes
Hotel/flight offersNo
ConciergeNo
Forex waiver3.4% (standard; no waiver)
Lifestyle
Dining discountsNo
Fuel surchargeYes - 1% on transactions INR 400-INR 5,000, capped INR 250/month
OTT subscriptionsNo
E-commerce offersYes - Aditya Birla Multiply Wellness app benefits (12 free fitness sessions/month - gym/yoga/zumba; unlimited doctor/nutritionist consultations; annual health checkup 31 parameters; annual dental & eye checkup)
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 3 - INR 5 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, Set/Modify Limits, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, 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, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen
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