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Fees & charges
Joining fee₹999
Annual fee₹999
Fee waiverNo fee waiver
Forex markup3.5%
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Cash advance fee2.5% of the amount withdrawn or ₹500, whichever is higher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
Rewards10% Reward Points on select PhonePe categories (recharges, utilities, bill payments, travel; cap 1,000 RP/month); 5% on select online brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber; cap 500 RP/month); 1% on all Scan & Pay spends (cap 500 RP/month)
Lounge access8 complimentary domestic lounge accesses per year (2 per quarter) on spending Rs.75,000 in a quarter
NetworkRuPay
CategoryMid-tier
Card typeRetail
Key features
- 10% Reward Points on select PhonePe categories (recharges, utilities, bill payments, travel; cap 1,000 RP/month); 5% on select online brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber; cap 500 RP/month); 1% on all Scan & Pay spends (cap 500 RP/month)
- 8 complimentary domestic lounge accesses per year (2 per quarter) on spending Rs.75,000 in a quarter
- Rs.499 gift voucher after first RuPay CC on UPI payment via PhonePe app