A sensible first card for new-to-credit users and modest monthly spends.
no major caveats we’re tracking.
| category | rate | cap/mo |
|---|---|---|
| base · everything else | 1 / ₹100 | — |
| Other Online Shopping | 1.5 / ₹100 | ₹ 100 |
2 complimentary railway lounge access every quarter.
Earn 500 bonus Reward Points every month on achieving the spend milestone of Rs. 20,000 in a calendar month.
unlocks at ₹ 20,000/yr
1% fuel surcharge waiver for all transactions between Rs. 400 & Rs. 5,000.
unlocks at ₹ 400/yr
run your spend profileto see this card's value for you.