Fee Structure
Joining Fee
₹199
Annual Fee
₹199
Annual Fee Waiver Condition
For 2nd year onwards fee waiver – ₹40,000 retail spends done in previous card anniversary year
Welcome Benefit
✓ For 1st year fee waiver – ₹10,000 retail spends done within 90 days of card set up
Key Features
- ✓ 2% cashback on groceries, departmental stores and utility bill payments.
- ✓ 1% cashback on other retail spends*.
- ✓ 8 complimentary railway lounge access every year.
- ✓ Free insurance and extended warranty on mobile and other electronic purchases.
Milestone Benefit
Additional cashback of ₹50 on a minimum retail spend of ₹10,000 in every statement cycle.
Airport Lounge Access
Domestic
Not Applicable
International
Not Applicable
Fuel Surcharge Waiver
Enjoy 1% Fuel Surcharge Waiver (up to ₹100) for transactions between ₹400 and ₹5,000 at all fuel stations across the country.
Insurance Benefit
Zero liability on fraudulent transactions done on your lost card after you report the card loss to the bank.
Other Charges
Finance Charges
3.75%
Foreign Currency Mark-up
3.49%