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Fees & charges
Joining feeLifetime free
Annual feeLifetime free
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Cash advance fee2.5% of the amount withdrawn or ₹500, whichever is higher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
Rewards5% cashback on Flipkart Wholesale online and offline spends (capped Rs.2,000/month); 5% on telecom, utility, government and tax payments (up to Rs.250/month); 1% on all other spends
Lounge accessUnlimited airport lounge access to 1,000+ lounges in India for primary and add-on members
NetworkDiners Club
CategoryEntry
Card typeRetail
Key features
- 5% cashback on Flipkart Wholesale online and offline spends (capped Rs.2,000/month); 5% on telecom, utility, government and tax payments (up to Rs.250/month); 1% on all other spends
- Unlimited airport lounge access to 1,000+ lounges in India for primary and add-on members
- Rs.1,500 worth of activation cashback (zero joining fee)