Key benefits
- Zero forex markup on international spends
- Unlimited domestic lounge on ₹20,000 monthly spends
- Scapia Coins on every spend, redeemable on travel
Eligibility and fees
- Annual fee
- Lifetime free
- Who can apply
- Salaried or self-employed
- Minimum income
- Salaried: ₹30,000 a month
Self-employed: ₹33,333 a month - Credit score
- 730 or above
- First credit card?
- No, needs a credit history
- Salaried ₹30,000 monthly or ITR ₹4 lakh
- Credit score 730+, age 23-40
- Lifetime free card
Good to know: Age 23 to 40 only
Before you apply
- Keep your PAN, Aadhaar and latest income proof (salary slips or ITR) ready.
- Apply for one card at a time. Several applications in a short time can lower your credit score.
- Approval, credit limit and final fees are always decided by the bank.
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Credit Universe may earn a commission from the bank if you are approved, at no cost to you. Approval is always the bank’s decision.