What's in it for me?
A clean view of the terms worth comparing.
Earn Membership Rewards® Points on various spends.
01
Rewards and useful benefits
Earn Membership Rewards® Points on various spends.
- 1 Membership Rewards® Point for every 2 Rs. 50 spent except for Fuel, Insurance, Utilities, Cash Transactions and EMI.
- Welcome Gift of 4,000 Bonus Membership Rewards® Points
- 1,000 Bonus points for 4 transactions of INR 1,500 or above
- 5,000 Membership Rewards Points upon First Year Card Renewal
- EMI option available
- Discounts up to 20% at select restaurants
- 24X7 Card Assistance
02
Fees and renewal
- Joining
- ₹1,000
- Annual
- ₹4,500
- Waiver
- 100% waived off if total spends of Rs. 150,000 and above in preceding membership year; else 50% waived off for spends of Rs. 90,000 to Rs. 149,999.
03
Published eligibility
- Income
- INR 4.5 lakhs and above for employed; INR 6 lakhs and above for self-employed
- Age
- over 18 years
- Employment
- Resident Indian
04
Four lines to check before you apply
- The joining fee, annual fee, GST and the exact annual-fee waiver rule.
- The reward value after redemption—not just the number of points earned.
- Monthly caps, excluded merchant categories and whether UPI transactions qualify.
- Your eligibility, the final application offer and the issuer’s current terms.