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 | 1.5% | — |
| Utilities & Bills† | 5% | ₹ 500 |
| Insurance Premiums† | 5% | ₹ 500 |
| Swiggy (food) | 4% | — |
| Zomato | 4% | — |
† these categories share a single combined monthly cap.
4 complimentary airport lounge visits to domestic airport lounges per year
15% off on dining at over 4,000 partner restaurants
1% Surcharge Waiver for Purchases Worth Between ₹400 and ₹4,000 (Maximum Waiver of ₹500/Statement Cycle)
unlocks at ₹ 400/yr
run your spend profileto see this card's value for you.