What's in it for me?
A clean view of the terms worth comparing.
Earn rewards points on spending with instant redemption options.
01
Rewards and useful benefits
Earn rewards points on spending with instant redemption options.
- 4 reward points for every INR100 spent on flights, travel aggregators, and in foreign currency.
- 2 reward points for every INR100 spent on anything else.
- Complimentary airport lounge visits.
- Cashback offers.
- Travel and lifestyle discounts.
02
Fees and renewal
- Joining
- ₹4,999
- Annual
- ₹4,999
- Waiver
- Free if you spend more than INR 800,000 a year.
03
Published eligibility
- Income
- Minimum of INR600,000 per year for salaried individuals, INR1,200,000 per year for self-employed individuals.
- Age
- 18 to 65 years for salaried individuals, 25 to 65 years for self-employed individuals.
- Employment
- Must be an Indian resident.
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.