Annual fees ranging from ₹500 for basic cards to ₹10,000 for premium cards, with fee waivers available on achieving specified spend milestones. Interest-free credit period of 45-50 days on purchases. Finance charges of 2.5-3.5% per month on revolving credit. Cash advance fees of 2.5% with immediate interest accrual. Late payment fees of ₹500-₹1,000 and over-limit fees for exceeding credit limits.

Foreign currency markup of 3.5% on international transactions. Reward point redemption fees and expiry policies vary by card type. Balance transfer facilities available at special interest rates. No-cost EMI processing fees waived for partner merchants. Add-on card facilities with separate spending limits and no additional joining fees in most cases.

Convert high-value purchases into easy EMIs with tenure options from 3 to 24 months. No-cost EMI options available across 10,000+ partner merchants including electronics, furniture, apparel, and travel bookings. Interest rates starting from 0% for no-cost EMIs and 12-18% for standard EMI conversions. Instant EMI conversion through mobile banking without visiting the bank.

Flexi-pay options allowing partial conversion of bill amount to EMI. Overdraft EMI facilities and loan against credit card limits. Special EMI options for education, medical expenses, and home renovation. Balance transfer from other credit cards at competitive interest rates with flexible repayment tenures.

24/7 fraud monitoring with real-time transaction alerts via SMS and mobile app notifications. Zero liability protection for unauthorized transactions reported within 3 days. EMV chip technology and contactless payment security. Two-factor authentication for online transactions and 3D secure password protection. Instant card freeze/unfreeze facility through mobile banking in case of loss or suspicious activity.

Virtual card numbers for online shopping to protect actual card details. Spending limits control for different transaction types (online, POS, international). Geographic usage controls and merchant category blocks. Insurance coverage for lost card liability, purchase protection, and fraud protection. Biometric authentication for high-value transactions and new payee additions.

Comprehensive mobile banking app with bill payment, reward point tracking, EMI conversion, and spending analytics. Contactless payments through NFC technology and QR code scanning. UPI integration for seamless payments. E-statements and paperless communication. Instant credit limit increase requests through the app. Digital card issuance and virtual card for immediate online use.

Automated bill payment setup and payment reminders. Spending categorization and budget tracking tools. Reward point redemption through the app for vouchers, air miles, or statement credits. Chatbot support for instant query resolution. Card-to-card fund transfer facilities and integration with digital wallets for enhanced convenience.

24/7 customer support through toll-free numbers, email, and chat support. Dedicated relationship managers for premium card holders. Lost card hotline with immediate blocking and replacement services. Dispute resolution team for transaction-related issues. Multi-lingual support and special assistance for senior citizens and differently-abled customers.

Proactive credit limit enhancement based on spending patterns and repayment history. Financial counseling services for debt management. Emergency cash advance facilities worldwide. Travel assistance services including emergency card replacement abroad. Customized offers and personalized reward programs based on individual spending behavior.