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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
- ✓Up to 5% value on HPCL fuel
- ✓Bonus on utilities & groceries
Watch out for
- !Fuel cashback capped at ₹200/month
- !Accelerated points capped low
Rewards
| 4% cashback on HPCL fuel (+1% surcharge waiver) | 4% | cap ₹200/mo |
| 5% back as points on utilities, groceries & departmental stores | 5% | cap ₹100/mo |
| Everything else (base rate) | 0.5% | no cap |
No rewards on: 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
- 4 / year
- International lounge
- None
- Spend condition
- ₹75,000 per quarter
Eligibility
- Salaried
- ₹25,000/month
- Self-employed
- ₹4,00,000/yr ITR
- Age
- 21–60 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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