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| Get 8 annual complimentary visits to DreamFolks Airport Lounges, within India. Visits limited to 2 per quarter. |
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| Get your Joining fees of Rs. 1,000 waived on spending Rs.30,000* in the first 90 days after card issuance. |
| Joining Fee | ₹1000 |
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| Annual Fee | ₹1000 |
| Condition for waiver of Joining Fees | Retail spends of ₹ 30,000 in first 90 days of issuance |
| Condition for waiver of Annual Fees - First Year | Annual retail spends of Rs. 100000 |
| Condition for waiver of annual fees—second year | annual retail spends of Rs. 100000 |
| Add-on card Fees | Rs. 299 |
| Interest Charges on outstanding Balances | 3.5% (Annualized 42%) |
| Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due) | MAD can be 5% or 10% of TAD as decided by the Bank ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance:2.5% on advance amount , subject to minimum of ₹500 |
| Late Payment Charges ("LPC") | Rs. 0 if outstanding amount is less than Rs. 100, Rs. 100 if outstanding amount is between Rs. 100 to Rs. 500, Rs. 500 if outstanding amount is between Rs. 501 to Rs. 5000, Rs. 600 if outstanding amount is between Rs. 5001 to Rs. 10000, Rs. 800 |
| Over limit charges | 500 |
