| Features |
 |
 |
| Eligibility | Everyone 18+ | People between the age group of 18 to 60. Both salaried and self-employed people. |
| Approval | 100% | Not guaranteed, not transparent |
| Joining Fees | NIL | Rs. 1768.82 ( Rs. 1499 + 18% GST) |
| Annual Fees | NIL | Rs. 1768.82 ( Rs. 1499 + 18% GST) |
| Interest Rate | 10-14% | Upto 3.50% per month (42% per annum) |
| Cash Advance Fee | No Cash Advance | 2.5% of the amount withdrawn; minimum of Rs. 500 |
| Over-limit Charges | No over-limit transactions | 2.5% of the overlimit amount; minimum of Rs. 600 |
| Late payment charges | NIL | From Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300 |
| Card replacement fee | NIL | Rs. 100 to Rs. 250 |
| Fuel Surcharge | NIL | 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) on transactions of upto Rs. 4000 Maximum waiver of Rs. 250 per statement cycle per card account |
| Foreign Currency Transaction | NIL | 3.50% |
| Minimum Amount Due | Pay in Full | 5% of total outstanding amount Minimum of Rs.200 + applicable taxes |
| Rewards | 10 points for every Rs.100/- transaction for everyone, everywhere. | 1 reward points equals I Rs. 3 reward points per Rs. 125 spent on Dining and standing instructions on Utility spends. 1 reward point per Rs. 125 on other retail purchases (except fuel) including railway ticket purchases. 1500 reward points equivalent to Rs. 1500 on payment of first annual fee or joining fee. 10% value back on AC1, AC2, AC3, AC CC as reward points for IRCTC ticket purchase from the website and app. |
| Referral Reward | Yes | Yes, but subject to approval |
| Anniversary Reward | Yes | No |
| Birthday Reward | Yes | No |
| Chargeback | Simple online form | Mail printed and signed form |
| Privacy and Security | Your data is not used and not sold | Complimentary Rail Accident Insurance of INR 10 Lakhs. Complimentary Air Accident insurance of INR 50 Lakhs. Complimentary Fraud Liability cover of INR 1 Lakh. |
| Community | Yes | No |
| Join the waitlist | |
