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✓ Data refreshed weekly✓ Issuer-verified fields
💰
Annual Fee
₹1,500
🎁
Reward Type
Points
🌍
Forex
3.5%
✈️
Lounge
0 dom · 0 intl
Full Spec Sheet
Normalized · VerifiedFees
Joining Fee₹1,500
Annual Fee₹1,500(waived ≥ ₹2,90,000)
Min Monthly Income₹40,000
Rewards
Reward TypePoints
Base Rate0.5%
Point Value₹0.5/point
Category Multipliers
fuel7.5%
Redemption Values
fuel vouchers₹0.5/pt
Travel & Global
Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone
India-Specific
Fuel Surcharge✓ 1% waiver
RuPay UPI✓ UPI cashback
💡 Fee Waiver Strategy
Spend ₹2.9L in a year to waive the renewal fee.
⚖️ Breakeven Analysis
To recover the ₹1,500 annual fee at the base reward rate of 0.5%, you need to spend ₹3,00,000 annually.
🎯 Pro Tips
- ▸The 7.5% return on fuel is one of the highest in the market.
- ▸Use for UPI payments to earn base rewards where other cards fail.
📊 Spending Scenarios — Real-World Returns
Commuter (₹10k/mo fuel)
Monthly: ₹20,000 · Annual: ₹2,40,000
4%
Effective Return
fuel: ₹10,000/moother: ₹10,000/mo
Annual Rewards Value₹9,600
After Fee (₹1,500)+₹8,100
7.5% return on fuel spends.
🔄 Redemption Pathways — Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Fuel VouchersBEST | ₹0.5/pt | 1000 pts = ₹500 fuel | Fuel |
🏷️ Best For
fuel