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Joining fee
₹2,499
Annual fee
₹2,499
Waived on ₹2,50,000/yr spend
Forex mark-up
2%
+ 18% GST on the mark-up
Why people pick it
- ✓3.75% value on travel, dining & online
- ✓2% forex mark-up
- ✓Fitness & milestone benefits
Watch out for
- !Accelerated points capped at 5,000/month
Rewards
| 15 points/₹100 on travel, dining & online shopping | 3.75% | cap ₹1,250/mo |
| Everything else (base rate) | 0.75% | no cap |
No rewards on: Fuel, Rent, 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
Check current lounge terms with the bank
Eligibility
- Salaried
- ₹50,000/month
- Self-employed
- ₹6,00,000/yr ITR
- Age
- 21–65 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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