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 | 0.8 / ₹100 | — |
| Insurance Premiums | 2 / ₹100 | — |
| Grocery (all) | 1 / ₹100 | ₹ 600 |
| Utilities & Bills | 1 / ₹100 | ₹ 600 |
| Education / Fees | 1 / ₹100 | ₹ 600 |
2 complimentary Domestic Airport Lounge access per quarter
4 complimentary Railway Lounge access per quarter
Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹300/month.
unlocks at ₹ 200/yr
2,000 Rewards on spending first ₹10,000 within 30 days of card generation
unlocks at ₹ 10,000/yr
Personal Accident Cover of ₹5,00,000
Lost Card Liability Cover of ₹50,000
Complimentary Roadside Assistance worth ₹1,399
run your spend profileto see this card's value for you.