What's in it for me?
A clean view of the terms worth comparing.
Earn up to 3X Reward Points on UPI spends, 10X on Dining, Travel and International transactions.
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Rewards and useful benefits
Earn up to 3X Reward Points on UPI spends, 10X on Dining, Travel and International transactions.
- 3X Reward Points on UPI spends
- 10X Reward Points on eligible transactions
- Lifetime Free
- Low Forex Markup
- Lounge Access
- Complimentary Airport Lounge Visits
- Complimentary Railway Lounge Visits
- Golf Privileges
- Cashback on first EMI transaction
- Gift voucher on joining
03
Published eligibility
- Income
- Annual income of ₹36 lakhs or more
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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.