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 | 0.25 / ₹100 | — |
| Restaurant Dining | 5 / ₹100 | ₹ 1,000 |
| Utilities & Bills | 5 / ₹100 | ₹ 1,000 |
6-Month Complimentary Fit Pass Pro Membership and 500 Bonus Reward Points.
12 complimentary domestic lounge access every year (capped at 3 visits per quarter).
Accidental insurance cover worth Rs. 15 lakhs, non-air accident cover worth Rs. 5 lakhs, and Professional Indemnity Insurance Cover worth Rs. 5 lakhs.
1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000.
unlocks at ₹ 400/yr
4,000 bonus reward Points every quarter on spending more than one lakh or your total credit limit, whichever is higher.
run your spend profileto see this card's value for you.