Spend Based 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.  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.  Emergency advance: You can avail an emergency advance of up to your available credit limit at 1.16% interest rate per month and no processing fee. This can be a helpful option in case of an emergency.  Contactless payments: You can tap your card to make fast and hassle-free transactions on payments up to Rs. 5,000.  EMI Finance: This is a great way to spread out the cost of your purchases over a longer period of time.  Emergency Credit Limit: This is a helpful option in case you need to borrow money urgently.  No Cost EMIs: This can help you save money on interest charges.  Purchase protection: This insurance can protect your purchases from damage or theft.  Travel insurance: This insurance can protect you from medical expenses, trip cancellation, and luggage loss while you are traveling.; Unlimited interest-free withdrawal of available cash limit from all ATMs in India up to the billing date.; Users can also enjoy a credit-free period of up to 50 days.; Xpress Cash allows user to get an instant loan within their credit limit.; Users can get a pre-approved loan without blocking the credit limit.