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Fees & charges
Joining fee₹1,000
Annual fee₹1,000
Fee waiverNo fee waiver
Forex markup0%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of the amount withdrawn or ₹500, whichever is higher
Late payment fee
| <=₹100 | Nil |
| ₹101 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹500 |
| ₹1,001 to ₹5,000 | ₹600 |
| ₹5,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹900 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 (excl. GST, w.e.f 1st Oct 2025) |
Rewards & Lounge access
Rewards4 Reward Points per Rs.150 retail spends; 5X Reward Points on Swiggy and Zomato (additional 4X capped at 2,500 RP per calendar month)
Lounge accessPriority Pass membership; 2 complimentary airport lounge accesses per calendar quarter worldwide (on spends of Rs.15,000 in previous quarter) for primary and add-on members
NetworkDiners Club
CategoryPremium
Card typeRetail
Key features
- 4 Reward Points per Rs.150 retail spends; 5X Reward Points on Swiggy and Zomato (additional 4X capped at 2,500 RP per calendar month)
- Priority Pass membership; 2 complimentary airport lounge accesses per calendar quarter worldwide (on spends of Rs.15,000 in previous quarter) for primary and add-on members
- Complimentary annual memberships of Swiggy One and Times Prime on spending Rs.75,000 within first 90 days