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Joining fee
₹1,500
Annual fee
₹1,500
Waived on ₹2,75,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓Up to 8.5% savings on IndianOil fuel
- ✓Fuel points can be redeemed for free fuel
Watch out for
- !Fuel rewards only at IndianOil pumps, capped monthly
Rewards
| 15 points/₹100 at IndianOil pumps (~8.5% incl. surcharge waiver) | 7.5% | cap ₹500/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
- None
- International lounge
- None
Eligibility
- Salaried
- ₹25,000/month
- Self-employed
- ₹4,00,000/yr ITR
- Age
- 21–65 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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