← All cards
Joining fee
₹499
Annual fee
₹499
Waived on ₹2,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓Flat 1.5% cashback on most spends
- ✓5% on bills via Google Pay
- ✓4% on Swiggy/Zomato/Ola
Watch out for
- !5% + 4% categories share a ₹500/month cap
- !No rewards on rent, fuel, insurance, education
Rewards
| 5% on bill payments & recharges via Google Pay | 5% | cap ₹500/mo |
| 4% on Swiggy, Zomato, Ola | 4% | cap ₹500/mo |
| Everything else (base rate) | 1.5% | no cap |
No rewards on: Fuel, Rent, Insurance, Education fees, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- None
- International lounge
- None
Eligibility
- Salaried
- ₹15,000/month
- Self-employed
- ₹3,00,000/yr ITR
- Age
- 18–70 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
Is this the right card for you?
See what it would earn on your actual spends, ranked against every other card.
Find my best card →