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Fees & charges
Joining fee₹1,500
Annual fee₹1,500
Fee waiverNo fee waiver
Forex markup3.5%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of amount withdrawn or Rs. 500 whichever is higher (Not applicable for Wave Credit Card)
Late payment fee
| Total Amount Due Rs. 0-250 | Rs. 0 |
| Rs. 251-1000 | Rs. 250 |
| Rs. 1001-5000 | Rs. 500 |
| Rs. 5001-25000 | Rs. 1,000 |
| Rs. 25001 & above | Rs. 1,250 (w.e.f. 20th August 2024) |
Rewards & Lounge access
Rewards3-2-1 structure: 3x rewards on Health Care & Grocery, 2x on Utility (bill payments), 1x on other categories
Lounge accessComplimentary domestic lounge access – spend ₹40,000+ in a quarter to get 2 domestic lounge visits the next quarter
NetworkVisa
CategoryMid-tier
Card typeRetail
Key features
- 3-2-1 structure: 3x rewards on Health Care & Grocery, 2x on Utility (bill payments), 1x on other categories
- Complimentary domestic lounge access – spend ₹40,000+ in a quarter to get 2 domestic lounge visits the next quarter
- Amazon Pay e-Voucher worth ₹400 on minimum spend of ₹5,000 in first 30 days