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Joining fee
₹500
Annual fee
₹500
Waived on ₹50,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓10X points on Amazon, Flipkart, Swiggy, BigBasket
- ✓Very low ₹50K fee waiver
- ✓Easy approval for HDFC account holders
Watch out for
- !CashPoints worth ₹0.25 each against statement
- !10X capped at 2,500 points/month
Rewards
| 10X CashPoints on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart | 3.33% | cap ₹625/mo |
| Everything else (base rate) | 0.33% | no cap |
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.
Travel & lounges
- Domestic lounge
- None
- International lounge
- None
Eligibility
- Salaried
- ₹20,000/month
- Self-employed
- ₹6,00,000/yr ITR
- Age
- 21–60 years
- First-time applicants
- Friendly
Income figures are indicative; banks decide case by case.
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