Fees
Annual feeINR 999 + GST
Joining feeINR 999 + GST
Renewal feeINR 999 + GST
Fee waiverJoining fee waived on INR 20,000 spend within 30 days; Renewal fee waived on INR 2 lakh spend in previous year
Spend waiverSpend INR 1,50,000 in 12 months
Interest rate3.99% per month (47.88% per annum)
Late paymentINR 100 - INR 1,300 based on outstanding amount
Forex markup2.75%
Cash advance2.5% of transaction amount (minimum INR 650; raised from INR 500 effective June 15, 2026)
Eligibility
Min income (salaried)INR 1 lakh/month
Min income (self-emp.)INR 9 - INR 12 lakh/year Income Tax Return (ITR)
Credit score750 or above (CIBIL)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate12 Reward Points per INR 200 on online spends (1.5% value-back online)
Cashback cap12,000 Reward Points per statement cycle cap
Redemption optionsFlights & Hotels, Gift Vouchers, Merchandise, Air Miles, YES Rewardz portal
Points expiry3 Years
Travel & lounge
Domestic lounge2 visits/quarter (conditional: INR 50,000 spend in preceding quarter)
International lounge2 visits/year (Visa/Mastercard); conditional on spend threshold
Lounge conditionsYes - INR 50,000 spend in preceding quarter
Insurance coverageYes
Hotel/flight offersYes - partner hotel/flight offers
ConciergeNo
Forex waiver2.75% (partial)
Lifestyle
Dining discountsYes - YES Dining Fiesta: min 15% off; 25% off BookMyShow movie tickets
Fuel surchargeYes – 1% waiver on fuel transactions INR 500–INR 4,000 per fueling (Elite+ tier; bands restructured Jun 15, 2026)
OTT subscriptionsNo
E-commerce offersYes - select partner offers
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 5 - INR 10 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 protectionYes - 6 months insurance on mobiles/electronics up to INR 50,000
Lost card liabilityYes - Credit Shield of INR 3 lakh (accidental death); 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, Raise Service Requests, Spend Analyzer, Block Lost/Stolen Card, Virtual Card View, Secure Login, Add-on Card Management
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, View Virtual Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, 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