Fuel surcharge waiver of up to Rs. 200 per month: This can save you money on your fuel expenses.  Annual fee waiver: You can get the annual fee waived on this card by spending Rs. 3,00,000 in a year and spending 3 lakhs in the previous year. This is a great way to save money on the annual fee.  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 Rs. 50,000 per month. 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 convert up to their available cash limit into a Personal Loan for 3 months at a 1.16% interest rate per month and no processing fee.; Unlimited interest-free withdrawal available on cash limit from all ATMs in India up to your billing date; maximum period of 50 Days.; Fuel surcharge waiver of up to Rs 200 per month; Users can buy in any currency and pay back later in the Indian Rupees Cash Advance program that fulfils the short-term cash requirements.; Users can enjoy a credit-free period of up to 50 days as an added benefit on ard membership.; Users can get a pre-approved loan without blocking the credit limit of the Credit card.