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Joining fee
₹999
Annual fee
₹999
Waived on ₹2,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓5% cashback on any online merchant
- ✓1% on offline spends
- ✓Cashback auto-credited to statement
Watch out for
- !Online cashback capped at ₹2,000 and offline at ₹2,000 per statement (from Apr 2026)
- !No cashback on utilities, insurance, rent, fuel, education, railways, tolls, gaming
Rewards
| 5% on all online spends — no merchant restriction | 5% | cap ₹2,000/mo |
| Everything else (base rate) | 1% | cap ₹2,000/mo |
No rewards on: Bills & recharges, Insurance, Fuel, Rent, Education fees, 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
- ₹3,00,000/yr ITR
- Age
- 21–70 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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