Card Details
- Enjoy 5% cashback on supermarkets and departmental store purchases.
- Easily manage your budget and expenses with emPower – an online financial planning tool.
- Avail free insurance cover
- Get help with global customer assistance for emergencies.
- Get Air Accident Cover of Rs. 20 Lacs.
- Enjoy lost card liability cover of Rs. 1 Lac.
- Avail credit shield of up to Rs. 1 Lac on death or permanent disability.
- Enjoy purchase protection of Rs. 1 Lac.
Pros & Cons
| Pros | Cons |
| Low-Interest Rates Air Accident Cover Cash Back Zero Annual Fee Zero Add-on Card Charges Lost Card Liability Cover Purchase Protection | No Lounge Access No Joining Perks |
Fee Details
- Annual Fee: Nil
- Joining Fee: Nil
- Add-on Card fee: Nil
- Card Replacement fee: Rs. 300
- Late Payment Fee: 30% of Monthly Amount Due, subject to min Rs. 300 to max Rs. 600.
- APR: 2% p.a. Or 24% p.a. And 3.5% p.m or 42% p.a. In case of default.
- Cash Withdrawal fee: Rs. 400 per transaction
- Cash Advance Charges: 3% p.m or Annualised 36%
- Min Payment: 5% of total account balance, subject to min Rs. 200
Eligibility Criteria
- Minimum annual gross income of Rs 3 Lacs for Salaried Individuals.
- Minimum annual gross income of Rs 4 Lacs for Self Employed Individuals.