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✓ Data refreshed weekly✓ Issuer-verified fields
💰
Annual Fee
₹500
🎁
Reward Type
Cashback
🌍
Forex
3.5%
✈️
Lounge
4 dom · 0 intl
Full Spec Sheet
Normalized · VerifiedFees
Joining Fee₹500
Annual Fee₹500(waived ≥ ₹3,50,000)
Min Monthly Income₹15,000
Rewards
Reward TypeCashback
Base Rate1.5%
Point Value₹1/point
Category Multipliers
flipkart5%cleartrip4%
Redemption Values
statement credit₹1/pt
Travel & Global
Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkDreamfolks
Lounge Spend Req.₹50,000 Quarterly
India-Specific
Fuel Surcharge✓ 1% waiver
⚠️ Last devaluation: August 2024
💡 Fee Waiver Strategy
Often offered LTF during sales.
⚖️ Breakeven Analysis
To recover the ₹500 annual fee at the base reward rate of 1.5%, you need to spend ₹33,334 annually.
🎯 Pro Tips
- ▸Unlimited 5% cashback on Flipkart is solid.
- ▸Devalued for other spends recently.
🏷️ Best For
co-brandedshopping