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Fees & charges
Joining fee₹12,500
Annual fee₹12,500
Fee waiverWaived at ₹10L spend
Forex markup2%
Finance charge1.99% p.m. (23.88% p.a.)
Cash advance feeNo cash advance transaction fee (excluded from the 2.5% levy; finance charges still accrue from withdrawal date)
Late payment fee
| <=₹100 | Nil |
| ₹101 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹500 |
| ₹1,001 to ₹5,000 | ₹600 |
| ₹5,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹900 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 (excl. GST, w.e.f 1st Oct 2025) |
Rewards & Lounge access
Rewards5 Reward Points per Rs.150 spent; up to 10X via SmartBuy; flight/hotel redemption up to maximum booking value via Reward Points
Lounge accessUnlimited complimentary domestic airport lounge access in India; unlimited international airport lounge access outside India via Priority Pass (1,000+ lounges worldwide) for primary and add-on cardholders
NetworkVisa
CategorySuper Premium
Card typeRetail
Key features
- 5 Reward Points per Rs.150 spent; up to 10X via SmartBuy; flight/hotel redemption up to maximum booking value via Reward Points
- Unlimited complimentary domestic airport lounge access in India; unlimited international airport lounge access outside India via Priority Pass (1,000+ lounges worldwide) for primary and add-on cardholders
- 12,500 Reward Points on fee realisation and card activation