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Fees & charges
Joining fee₹199
Annual fee₹199
Fee waiverNo fee waiver
Forex markup3.49%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of amount withdrawn, minimum Rs.500 (plus finance charges from withdrawal date)
Late payment fee—
Rewards & Lounge access
Rewards2% cashback on grocery, departmental store & utility spends (max Rs.50/cycle); 1% on other retail (max Rs.50/cycle); +Rs.50 cashback on min Rs.10,000 retail/cycle; fuel excluded
Lounge access2 complimentary railway lounge visits per calendar quarter; complimentary domestic airport lounge on Rs.20,000/quarter spend
Network
CategoryEntry
Card typeRetail
Key features
- 2% cashback on grocery, departmental store & utility spends (max Rs.50/cycle); 1% on other retail (max Rs.50/cycle); +Rs.50 cashback on min Rs.10,000 retail/cycle; fuel excluded
- 2 complimentary railway lounge visits per calendar quarter; complimentary domestic airport lounge on Rs.20,000/quarter spend
- Introductory 5% cashback on min Rs.2,500 retail spend within first 60 days (max Rs.150/cycle)