What's in it for me?
A clean view of the terms worth comparing.
Earn rewards for spending on various categories.
01
Rewards and useful benefits
Earn rewards for spending on various categories.
- 4 Reward Points on daily and retail spends (e.g., Grocery, Apparel, Bills, Insurance)
- 5X Reward Points on spends at Myntra, Nykaa, Reliance Digital
- Upto 70% redemption on travel bookings using Reward Points
- Welcome benefits on spends of ₹1 lakh in first 90 days
- Complimentary memberships (Swiggy One, MMT Black Gold)
- Access to Priority Pass program for overseas lounge access
- Dining privileges with discounts on partner restaurants
02
Fees and renewal
- Joining
- ₹2,500 + GST
- Annual
- ₹2,500 + GST
- Waiver
- Waiver on annual spends of ₹4,00,000
03
Published eligibility
- Income
- Net Monthly Income for Govt: > ₹1,00,000; Non-Govt: > ₹1,50,000; Self-employed ITR > ₹18 Lakhs per annum.
- Age
- Min 21 years & Max 60 Years (Salaried); Min 21 years & Max 65 Years (Self Employed)
- 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.