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Joining fee
₹499
Annual fee
₹499
Waived on ₹1,20,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓2% online, 1% offline cashback
- ✓Low fee
Watch out for
- !Online cap ₹1,000/month, offline ₹500/month
Rewards
| 2% on all online spends | 2% | cap ₹1,000/mo |
| Everything else (base rate) | 1% | cap ₹500/mo |
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
- ₹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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