A couple of weeks back applied for https://www.vcard.ai/ .
The physical card is issued by RBL bank
As per VI card site, the joining fees for the card is 499/& waived for the first year.
2nd year onwards fees are waived if the spends are more than 1lac.
However, as per RBL bank terms and conditions, the joining fee is 750/_ .
No coordination between the bank and the fintech company!!