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Joining fee
₹1,000
Annual fee
₹1,000
Waived on ₹2,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓10% cashback on Swiggy
- ✓5% on select online merchants
- ✓Joining fee waived on ₹75K spend in 90 days
Watch out for
- !Higher income requirement (₹1L/month)
- !Caps assumed at ₹1,500/month per category — verify
Rewards
| 10% on Swiggy food, Instamart & Dineout (min ₹249) | 10% | cap ₹1,500/mo |
| 5% on select online merchants | 5% | cap ₹1,500/mo |
| Everything else (base rate) | 1% | cap ₹500/mo |
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
Eligibility
- Salaried
- ₹1,00,000/month
- Self-employed
- ₹12,00,000/yr ITR
- Age
- 21–60 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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