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Fees & charges
Joining fee₹1,000
Annual fee₹4,500
Fee waiverNo fee waiver
Forex markup3.5%
Finance charge3.5% p.m. (42% p.a.)
Cash advance feeA Transaction Fee of 3.5% of the Cash Advance amount, subject to a minimum of ₹250
Late payment feeDelinquency Fee: 5% on the unpaid balance, with a minimum monthly Delinquency Fee of ₹300; KFS 'Charges in case of default': 30% of Minimum Amount Due, subject to a minimum of ₹500 and maximum of ₹1,000, plus applicable taxes
Rewards & Lounge access
Rewards1 Membership Rewards Point for every INR 50 spent (including utilities); 1,000 bonus points on 6 transactions of INR 1,000 each every calendar month
Lounge accessNot applicable
NetworkAmerican Express
CategoryMid-tier
Card typeRetail
Key features
- 1 Membership Rewards Point for every INR 50 spent (including utilities); 1,000 bonus points on 6 transactions of INR 1,000 each every calendar month
- 4,000 Bonus Membership Rewards Points as a welcome gift (first year, on fee payment and qualifying spend)