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Joining fee
Free
Annual fee
Free
Forex mark-up
0%
+ 18% GST on the mark-up
Why people pick it
- ✓Lifetime free
- ✓Zero forex mark-up
- ✓10X points above ₹20K/month
- ✓Domestic lounge access
Watch out for
- !No rewards on international spends from 26 Oct 2026
- !Needs ₹12L+ annual income
Rewards
| Everything else (base rate) | 0.5% | 1.67% above ₹20,000/mo |
No rewards on: Fuel, Rent, Insurance, 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
- 8 / year
- International lounge
- None
- Spend condition
- ₹60,000 per quarter
Eligibility
- Salaried
- ₹1,00,000/month
- Self-employed
- ₹12,00,000/yr ITR
- Age
- 21–65 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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