Fees
Annual feeINR 10,000 + GST
Joining feeINR 50,000 + GST
Renewal feeINR 10,000 + GST
Fee waiverWaived on spends of INR 25,00,000 in previous year
Spend waiverNo spend-based fee waiver (invite-only)
Interest rate1.2% per month (14.4% per annum)
Late paymentINR 100 - INR 1,000 based on outstanding amount
Forex markup1.75%
Cash advanceNil
Eligibility
Min income (salaried)INR 1.5 lakh+ per month (internal bank discretion)
Min income (self-emp.)INR 25 lakh/year or above (invite only)
Credit score800 or above (CIBIL)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident & Non-Resident Indian (NRI)
Rewards & cashback
Accelerated rate3 Reward Points per INR 100 on international spends
Redemption optionsFlights & Hotels, Gift Vouchers, Merchandise, Air Miles, YES Rewardz portal (no redemption fee)
Points expiryNo Expiry
Travel & lounge
Domestic loungeUnlimited access
International loungeUnlimited (Self + Guest) via Priority Pass
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offersExclusive partner rates at luxury hotels; complimentary stays & upgrades
ConciergeYes - 24x7 YES Assist dedicated concierge (flights, hotels, restaurants, gifts, golf tee-times)
Forex waiver1.75% (lower than standard 3.5%)
Lifestyle
Dining discountsYes - YES Dining Fiesta: min 15% off at 1,000+ restaurants
Fuel surchargeYes - 1% on transactions INR 400-INR 5,000, capped INR 250/month
OTT subscriptionsYes - select complimentary subscriptions (varies by offer period)
E-commerce offersYes - exclusive merchant offers
Credit limit & EMI
Default limitINR 10 lakh+ (based on profile)
Max limitINR 20 lakh+ (no fixed cap; bank discretion)
Cash withdrawalUp to 40% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 2,500+
Balance transferYes
BT interest rateAs per bank offer at time of request
Insurance & protection
Purchase protectionYes
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, 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, Control Add-on Card, 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 liability 4-7 days; full liability beyond 7 days
WhatsApp supportYes