Card Image
Fortune Gold
Annual Fee
FREE
Rewards/₹100 ⓘ
₹0.10
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
700+
At a Glance
Key Benefits
Lifetime free, 50% cash limit, 4 PVR tickets at Rs 1.5L spend
Lounge Access
No lounge access
Eligibility
Age: 18-70, Income: Rs 3L+/year, CIBIL: 750+
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.10
#303
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹20
Network VISA
Cash Advance Fee ₹199
Over Limit Fee ₹500
Balance Transfer Fee ₹349
Reward Structure
Base
All Spends
₹0.10 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Quick Analysis
Best for those needing high cash access with no annual fee and interest-free withdrawals. Note: Discontinued for new applications.
Pros
- Lifetime free - no annual or joining fee
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best For
Users needing high cash withdrawal access
Not Ideal For
Reward seekers or premium benefit hunters
Frequently Asked Questions
What is the cash withdrawal limit?
Up to 50% of credit limit, max Rs 25,000/day across ATM, branch, and transfers.
Is there annual fee?
No, this is a lifetime free card with no annual or joining fee.
Is this card available for new applications?
No, discontinued for new sourcing. Only for existing Essentia cardholders.
What is the milestone benefit?
Spend Rs 1.5L to get 4 PVR tickets + Rs 750 cashback.
Is there fuel surcharge waiver?
Yes, 1% waiver on transactions Rs 500-3,000.
User Reviews
Ready to Apply for Fortune Gold?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.