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✓ Data refreshed weekly✓ Issuer-verified fields
💰
Annual Fee
₹999
🎁
Reward Type
Cashback
🌍
Forex
3.5%
✈️
Lounge
0 dom · 0 intl
Full Spec Sheet
Normalized · VerifiedFees
Joining Fee₹999
Annual Fee₹999(waived ≥ ₹2,00,000)
Min Monthly Income₹40,000
Rewards
Reward TypeCashback
Base Rate1.5%
Point Value₹1/point
Category Multipliers
dining grocery10%(cap ₹1,000)
Redemption Values
statement credit₹1/pt
Travel & Global
Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone
💡 Fee Waiver Strategy
Spend ₹2L in a year to waive the renewal fee.
⚖️ Breakeven Analysis
To recover the ₹999 annual fee at the base reward rate of 1.5%, you need to spend ₹66,600 annually.
🎯 Pro Tips
- ▸Max out the ₹1,000 monthly cap by spending exactly ₹10,000 on dining/groceries.
- ▸Excellent secondary card for offline grocery shopping.
📊 Spending Scenarios — Real-World Returns
Foodie (₹10k/mo dining)
Monthly: ₹20,000 · Annual: ₹2,40,000
5.75%
Effective Return
dining: ₹10,000/moother: ₹10,000/mo
Annual Rewards Value₹13,800
After Fee (₹999)+₹12,801
10% cashback on dining/groceries capped at ₹1000/mo.
🔄 Redemption Pathways — Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Statement CreditBEST | ₹1.0/pt | 1000 pts = ₹1000 | Cashback |
🏷️ Best For
dininggrocerycashback