What's in it for me?
A clean view of the terms worth comparing.
Earn cashback on various categories of spends.
01
Rewards and useful benefits
Earn cashback on various categories of spends.
- 5% on Utility bill payments & mobile recharges on Google Pay
- 4% on Swiggy, Zomato & Ola
- 1.5% on all other spends
- Cashback on every spend
- Complimentary lounge access
- Fuel surcharge waiver
- Convert purchases to EMI
02
Fees and renewal
- Joining
- ₹499 + GST
- Annual
- ₹499 + GST
- Waiver
- Annual fee waived off on annual spends greater than ₹2,00,000/- (specific transactions excluded)
03
Published eligibility
- Income
- Minimum income requirement unspecified
- Age
- 21 years and above
- Employment
- Employed or self-employed
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.