Annual fee waiver: This is a great way to save money on the annual fee. If you spend Rs. 50,000 in the first year, the annual fee for the second year will be waived.  Emergency advance: You can avail an emergency advance of up to 50% of your available credit limit. This can be a helpful option in case of an emergency.  Interest-free cash withdrawal: You can withdraw cash from ATMs without paying any interest for up to 50 days. This is a great way to access cash without incurring any additional charges.  No cost EMIs: You can avail no cost EMIs on select purchases. This can help you spread out the cost of your purchases over a longer period of time.  Purchase protection: This insurance will cover you against damage or theft of your purchases for up to 90 days from the date of purchase.  Travel insurance: This insurance will cover you against medical expenses, trip cancellation, and luggage loss while you are traveling.; Users can avail EMI Finance: Shop for durables, electronics, furniture, clothes & accessories, groceries and much more.; Users can convert up to their available cash limit into a Personal Loan for 3 months at a 1.16% interest rate per month with no processing fee.; Unlimited interest-free withdrawals are available on cash limits from all ATMs in India up to your billing date; the maximum period is 50 Days.; Cash Advance program that fulfils the short-term cash requirements.; Users can also enjoy a credit-free period of up to 50 days as an added benefit.; Users will get a pre-approved loan without blocking the credit limit of the credit card.