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Joining fee
₹999
Annual fee
₹999
Waived on ₹2,00,000/yr spend
Forex mark-up
1.99%
+ 18% GST on the mark-up
Why people pick it
- ✓10% cashback on dining, Swiggy/Zomato & groceries
- ✓Unlimited 1.5% on everything else
- ✓Forex cut to 1.99% (Jul 2026)
Watch out for
- !10% capped at ₹1,000/month
- !No cashback on international spends from Jul 2026
- !Only in select cities
Rewards
| 10% on dining, food delivery & groceries | 10% | cap ₹1,000/mo |
| Everything else (base rate) | 1.5% | no cap |
No rewards on: Fuel, Rent, Education fees, UPI payments at shops, International spends
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- 2 / year
- International lounge
- None
Domestic visits reduced from Jul 2026
Eligibility
- Salaried
- ₹33,000/month
- Self-employed
- ₹4,00,000/yr ITR
- Age
- 18–65 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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