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Joining fee
₹500
Annual fee
₹500
Waived on ₹2,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓25% back on Airtel mobile/broadband/DTH bills
- ✓10% on Swiggy, Zomato, BigBasket
Watch out for
- !From Apr 2026, Airtel/utility cashback is capped at 2×/1× the 1% base cashback you earn elsewhere
- !Lounge access removed in 2026
Rewards
| 25% on Airtel bills, 10% on other utilities via Airtel Thanks — capped to a multiple of your 1% base cashback | 10% | cap tied to base |
| 10% on Swiggy, Zomato, BigBasket | 10% | cap ₹500/mo |
| Everything else (base rate) | 1% | 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
- ₹20,000/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.
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