What's in it for me?
A clean view of the terms worth comparing.
CashBack on various spending categories and brands.
01
Rewards and useful benefits
CashBack on various spending categories and brands.
- 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato
- 1% on other spends
- 5% Cashback on leading brands
- ₹1000 worth gift voucher on quarterly spending
- Quarterly milestone benefits
- Dining and travel benefits
- 1% fuel surcharge waiver
02
Fees and renewal
- Joining
- ₹1,000 + GST
- Annual
- ₹1,000 + GST
- Waiver
- Spend ₹1,00,000 in a year before renewal
03
Published eligibility
- Income
- Net Monthly Income > ₹35,000 (salaried), ITR > ₹6 Lakh per annum (self-employed)
- Age
- Minimum 21 years & Maximum 40 years
- Employment
- Salaried 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.