4 from 3000 Users
₹500 Welcome Cashback on Eligible Spends
as a statement credit on spending ₹10,000 within the first 90 days of card membership
Gift Vouchers Worth ₹500 on Annual Spend Milestones
on achieving spend milestones of ₹1.20 lakhs, ₹1.80 lakhs, and ₹2.40 lakhs in a card membership year
Shopping
Online Food Ordering
Travel
Joining Fees
₹584 ( ₹495 + GST )
The joining fee is effectively offset through a ₹500 welcome cashback, covering the ₹495 + GST joining fee.
Annual Fees
₹584 ( ₹495 + GST )
The annual fee is not waived under any spending conditions.
Age Criteria
21-65 years
Salary Criteria
4.5 LPA
Credit Rating*
720+
See if you are eligible for this card
Rewards Conversion Rate
1 Reward Point = ₹0.40
Redemption Options
N/A
To check redemption catalogue
N/A
All Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Transactions
Cash Withdrawals
Wallet Loads
Rent Payments
EMI Transactions or Spends converted to EMI (pre or post-purchase)
Government and Statutory payments
Education Payments
Insurance Premium Payments
Utility Bill Payments
Gift Card or Voucher Purchases
Gambling or Lottery Transactions
Cryptocurrency or Digital Asset Transactions
Cancelled or Reversed or Refunded Transaction
For Spends Waiver
Fuel Transactions
Cash Withdrawals and Cash Advances
Wallet Loads
Rent Payments
EMI Transactions or Spends converted to EMI (pre or post-purchase)
Government and Statutory Payments
Education Payments
Insurance Premium Payments
Utility Bill Payments
Gift Card or Voucher Purchases
Gambling or Lottery Transactions
Cryptocurrency or Digital Asset Transactions
| Structure | Details |
|---|---|
Forex Markups   3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.5% per month (≈ 42% p.a.) ; may increase up to 3.99% per month (≈ 47.88% p.a.) on missed or overdue payments. | 3.50% |
ATM Withdrawl For every withdraw money transaction you will be charged 3.5% of the amount withdrawn or Rs 500 whichever is higher. | 3.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees No cheque payment fee is charged | N/A |
Cash Payment Fees N/A | N/A |
| Late Payment Fees 30% of the minimum amount due, with a minimum of Rs.500 and a maximum of Rs.1,000, is applicable | Amount Due |
|---|
TOP USPs
₹500 Welcome Cashback on Eligible Spends
as a statement credit on spending ₹10,000 within the first 90 days of card membership
Gift Vouchers Worth ₹500 on Annual Spend Milestones
on achieving spend milestones of ₹1.20 lakhs, ₹1.80 lakhs, and ₹2.40 lakhs in a card membership year
Apply Now