| Features |
 |
 |
| Eligibility | Everyone 18+ | Generally for the self-employed or business owners. |
| Approval | 100% | Not guaranteed, not transparent |
| Joining Fees | NIL | Rs. 5898.82 (Rs. 4999 + 18% GST) |
| Annual Fees | NIL | Rs. 5898.82 (Rs. 4999 + 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| Cash Advance Fee | No Cash Advance | 2.5% of the amount withdrawn; minimum of Rs. 500 |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% of purchase amount. 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) for single transaction spends between Rs. 500 and Rs. 4000 |
| Foreign Currency Transaction | NIL | 1.99% |
| 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. | 5X Reward Points on Dining, Utility Bills payments and Office supplies and 2 Reward Points per Rs. 100 on all other spends except fuel. 10 reward points per Rs. 100at Metro Cash and Carry stores. INR 750 off on flight bookings and 20% off on hotel bookings from Yatra Business. Welcome e-gift voucher worth Rs. 5000 for brands like Yatra for business, Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion and Shoppers Stop on payment of joining fees. Complimentary movie tickets valid for two tickets per month. Access to International Priority Pass and Mastercard lounges. Complimentary Club Vistara Silver Membership. |
| 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 | Contactless Card. Complimentary credit card Fraud Liability Cover of Rs. 2 lacs with the Organisation level limit of 20 Lacs. |
| Community | Yes | No |
| Join the waitlist | |
