Here are some of the key benefits of the card:  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. 3,50,000 in a 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 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 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 withdrawal of the available cash limit from all ATMs in India.; Xpress Cash feature allows users to get an instant loan within their credit limit.; Users will get a pre-approved loan without blocking the credit limit of their credit card.