| Joining/Annual Fee |
₹499 (entry-level) to ₹12,500 (super-premium), mostly waived on eligible spends |
| Interest Rate |
3.4% – 3.6% monthly on revolved balances |
| Cash Advance Fee |
Around 2.5% of withdrawn amount or minimum ₹500, whichever is higher |
| Forex Markup |
~3.5% + GST on most cards; ~2% + GST on premium cards (Regalia, Diners, Infinia) |
| Late Payment Fee |
Slab-based, ranging from ₹100 up to ₹1,300 depending on outstanding balance |
| Over-Limit Fee |
Approximately 2.5% of the over-limit amount |
