Welcome Voucher worth ₹12,500 — choose from Luxe Gift Card, Postcard Hotels, or Yatra Gift Voucher upon first transaction within 30 days
Unlimited International Lounge Access via Priority Pass with 4 guest visits per year
Earn up to 35 EDGE Reward Points per ₹200 on monthly spends above ₹1.5 lakh
Fees
Joining FeeOne-way domestic economy flight ticket, Luxe Gift Voucher, or Postcard Hotels voucher worth up to ₹12,500 on card issuance.
₹14,750
₹12,500 + GST
Annual FeeThe annual fee is waived if you spend ₹25 Lakh or more in a year on your card, as per bank policy.
₹14,750
₹12,500 + GST
Eligibility
Age
21-60 years
Salary
₹2L / Month
Credit Score
750+
Bank Fee Structure
Forex Markup2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (2%): ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
Finance Charges (APR)3% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.
3%
ATM WithdrawalNot Applicable
Not Applicable
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeSurcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.
As prescribed by IRCTC / Indian Railways
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentNot Applicable
Not Applicable
Cash PaymentA fee of ₹175 is charged for payments made by depositing cash at a bank branch or ATM.
₹175
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹750
Above ₹10,000
₹1200
Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above.
