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Joining fee
₹1,499
Annual fee
₹1,499
Waived on ₹2,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓~7.25% value on BPCL fuel (incl. surcharge waiver)
- ✓10X on dining & groceries
- ✓Domestic lounge access
Watch out for
- !Fuel rewards only at BPCL pumps
- !Fuel points capped at 2,500/month
Rewards
| 25X points (6.25%) on BPCL fuel | 6.25% | cap ₹625/mo |
| 10X points on dining, groceries, movies & departmental stores | 2.5% | no cap |
| Everything else (base rate) | 0.25% | 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
Eligibility
- Salaried
- ₹30,000/month
- Self-employed
- ₹4,00,000/yr ITR
- Age
- 21–70 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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