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Joining fee
Free
Annual fee
Free
Forex mark-up
1%
+ 18% GST on the mark-up
Why people pick it
- ✓Lifetime free metal card
- ✓Automatic 5X on your top 2 categories
- ✓Only 1% forex mark-up
- ✓FD-backed variant for new-to-credit
Watch out for
- !Low base rate (0.2%)
Rewards
| 5X points on your top 2 spend categories each month | 1% | no cap |
| Everything else (base rate) | 0.2% | no cap |
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
- ₹15,000/month
- Self-employed
- ₹2,00,000/yr ITR
- Age
- 18+ years
- First-time applicants
- Friendly
Income figures are indicative; banks decide case by case.
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