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Joining fee
₹1,000
Annual fee
₹1,000
Waived on ₹1,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓5% cashback on 10 popular apps incl. Amazon, Flipkart, Swiggy, Zomato
- ✓1% cashback on almost everything else
- ✓Cashback redeemable against statement
Watch out for
- !5% and 1% cashback each capped at ₹1,000 per statement
- !No rewards on fuel, rent, wallet loads and education
Rewards
| 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit, Sony LIV | 5% | cap ₹1,000/mo |
| Everything else (base rate) | 1% | cap ₹1,000/mo |
No rewards on: Fuel, Rent, Education fees, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Milestone benefits
- ₹1,000 voucher (or 1 lounge visit) on ₹1L quarterly spend~₹1,000
Travel & lounges
- Domestic lounge
- None
- International lounge
- None
Lounge visit only as an alternative to the quarterly ₹1,000 voucher
Eligibility
- Salaried
- ₹35,000/month
- Self-employed
- ₹6,00,000/yr ITR
- Age
- 21–40 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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