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Fees & charges
Joining fee₹199
Annual fee₹199
Fee waiverNo fee waiver
Forex markup0.99%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of amount withdrawn, minimum Rs.500 (plus finance charges from withdrawal date)
Late payment fee—
Rewards & Lounge access
Rewards2 Reward Points per Rs.100 retail (1 RP = Rs.0.25); quarterly bonus 500 RP at Rs.25,000 spend, doubles at Rs.50,000; 1% fuel surcharge waiver (max Rs.100)
Lounge access2 complimentary domestic lounge visits per quarter on Rs.50,000 spend in prior quarter (w.e.f. 10-Apr-2026)
NetworkVisa
CategoryEntry
Card typeSecured
Key features
- 2 Reward Points per Rs.100 retail (1 RP = Rs.0.25); quarterly bonus 500 RP at Rs.25,000 spend, doubles at Rs.50,000; 1% fuel surcharge waiver (max Rs.100)
- 2 complimentary domestic lounge visits per quarter on Rs.50,000 spend in prior quarter (w.e.f. 10-Apr-2026)
- 500 Reward Points on first transaction within 30 days of setup