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Joining fee
₹500
Annual fee
₹500
Waived on ₹3,50,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓5% on Flipkart, 7.5% on Myntra
- ✓4% on Swiggy & Uber
- ✓1% everywhere else
Watch out for
- !Flipkart/Myntra/Cleartrip cashback capped at ₹4,000/quarter each
- !Fee waiver needs ₹3.5L/yr
- !No cashback on utilities, insurance, rent, fuel
Rewards
| 5% on Flipkart (₹4,000/quarter cap); 7.5% on Myntra, 5% on Cleartrip | 5% | cap ₹1,333/mo |
| 4% on Swiggy, Uber, PVR, cult.fit | 4% | no cap |
| Everything else (base rate) | 1% | no cap |
No rewards on: Fuel, Rent, Bills & recharges, 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
- Friendly
Income figures are indicative; banks decide case by case.
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