What's in it for me?
A clean view of the terms worth comparing.
Earn reward points to use towards flights, hotel stays and more.
01
Rewards and useful benefits
Earn reward points to use towards flights, hotel stays and more.
- 2 reward points for every INR150 spent
- up to 6 times the reward points on hotels, flights and car rentals through Travel with Points
- Complimentary 3-month Swiggy One membership
- INR250 cashback on contactless fuel purchases when you spend INR10,000 per quarter
- Savings on dining and movies with District by Zomato
- Exclusive privileges at The Bicester Collection Villages
- Zero liability for lost cards
- Balance transfer options
- Emergency card replacement
- The option to borrow cash
- Offers and discounts
02
Fees and renewal
- Joining
- ₹0
- Annual
- ₹0
03
Published eligibility
- Income
- INR600,000 per year for salaried; INR1,200,000 per year for self-employed individuals
- Age
- 18 to 65 years old for salaried; 25 to 65 years old for self-employed individuals
- Employment
- Indian resident required
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.