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Joining fee
₹500
Annual fee
₹500
Waived on ₹1,50,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓5% cashback on Swiggy and many online merchants
- ✓Cashback credited to card statement
- ✓Low ₹1.5L fee-waiver threshold
Watch out for
- !Swiggy orders need a ₹249 minimum for 5%
- !5% capped (assumed ₹1,500/month) — check the latest T&C
- !Zomato counts as 'online', not Swiggy
Rewards
| 5% on Swiggy (food, Instamart, Dineout) and 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
- ₹20,000/month
- Self-employed
- ₹6,00,000/yr ITR
- Age
- 21–60 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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