Features |
 |
 |
Eligibility | Everyone 18+ | Salaried Applicant: Between 21-55 years. Self employed applicant: Between 21-70 years. |
Approval | 100% | Not guaranteed, not transparent |
Joining Fees | NIL | Rs. 3538.82 (Rs.2,999 + Rs.539.82 GST) |
Annual Fees | NIL | Rs. 3538.82 (Rs.2,999 + Rs.539.82 GST) Waiver of Renewal Fee 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Cash Advance Fee | No Cash Advance | 2.5% of the amount withdrawn or Rs.500 (Both domestic and international) |
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 transaction amount |
Foreign Currency Transaction | NIL | 3.50% |
Minimum Amount Due | Pay in Full | 5% of total outstanding amount |
Rewards | 10 points for every Rs.100/- transaction for everyone, everywhere. | 10 points for every Rs. 100 spent on dining, groceries, movies and departmental stores. Welcome e-gift voucher of Rs. 3000 from brands like Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com. |
Referral Reward | Yes | Yes, but subject to approval |
Anniversary Reward | Yes | No |
Birthday Reward | Yes | Enjoy 20 Reward Points per Rs. 100 spent on your birthday |
Chargeback | Simple online form | Mail printed and signed form |
Privacy and Security | Your data is not used and not sold | Security system enabled |
Community | Yes | No |
| Join the waitlist | |