| Features |
 |
 |
| Eligibility | Everyone 18+ | Generally for the self-employed or business owners. |
| Approval | 100% | Not guaranteed, not transparent |
| Joining Fees | NIL | Rs. 3538.82 (Rs. 2999 + 18% GST) |
| Annual Fees | NIL | Rs. 3538.82 (Rs. 2999 + 18% GST) Waived off on annual spends of Rs. 3 lakhs |
| 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| Cash Advance Fee | No Cash Advance | 2.5% of the amount withdrawn; minimum of Rs. 500 |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. 3000 |
| 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. | 10 Reward Points per Rs.100 spent on Dining, Utility Bills payments and Office supplies. 2 Reward Points per Rs. 100 on all other retail spends except fuel. Welcome e-gift Voucher worth Rs. 3,000 from Yatra for Business on payment of joining fees. Complimentary Club Vistara Silver membership. Complimentary access to International Priority Pass Lounges and Mastercard Lounges in India. 10 reward points (5X) per INR 100 on all spends at Metro Cash & Carry stores. 750 off on Flight bookings above INR 6000, once in a quarter and 20% off on Hotel bookings, once in a quarter. |
| 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 | Enhanced security against counterfeiting and skimming with the chip and pin enabled card. |
| Community | Yes | No |
| Join the waitlist | |
