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Joining fee
₹499
Annual fee
₹499
Waived on ₹1,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓Cheap entry card for online shoppers
- ✓₹4,000 in milestone vouchers
- ✓₹500 Amazon voucher on joining
Watch out for
- !Points worth ₹0.25 each
- !Milestones count online spends only
Rewards
| 5X points on online spends (10X on partners like Myntra, BookMyShow, Cleartrip, Apollo 24|7) | 1.25% | no cap |
| Everything else (base rate) | 0.25% | 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.
Milestone benefits
- ₹2,000 e-voucher at ₹1L annual online spend~₹2,000
- Another ₹2,000 e-voucher at ₹2L~₹2,000
Travel & lounges
- Domestic lounge
- None
- International lounge
- None
Eligibility
- Salaried
- ₹20,000/month
- Self-employed
- ₹3,00,000/yr ITR
- Age
- 21–70 years
- First-time applicants
- Friendly
Income figures are indicative; banks decide case by case.
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