Best if you’re loyal to this brand — it pays off on that ecosystem, less so elsewhere.
no major caveats we’re tracking.
| category | rate | cap/mo |
|---|---|---|
| base · everything else | 1 / ₹100 | — |
| Utilities & Bills | 2 / ₹100 | ₹ 500 |
1% Waiver on Transactions Between ₹400 and ₹5,000 (Maximum ₹250 Each Statement Cycle)
unlocks at ₹ 400/yr
50% of the Joining Fee, which amounts to ₹249, is provided as a PhonePe Gift Card for your first RuPay credit card (CC) transaction using UPI on the PhonePe app. The remaining 50% of the Joining Fee is distributed across 10 subsequent Rupay CC UPI transactions, offering a Gift Card of ₹25 for each transaction.
run your spend profileto see this card's value for you.