○ Data not yet verified
💰
Annual Fee
₹1,499
🎁
Reward Type
Cashback
🌍
Forex
3.5%
✈️
Lounge
4 dom · 0 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹1,499
Annual Fee₹1,499(waived ≥ ₹2,00,000)
Min Monthly Income₹35,000
Rewards
Reward TypeCashback
Base Rate1.25%
Point Value₹1/point
Category Multipliers
pharmacy5%(cap ₹2,500)health wellness5%(cap ₹2,500)
Redemption Values
statement credit₹1/pt
Travel & Global
Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkVisa
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
💡 Fee Waiver Strategy
Spend ₹2L to waive annual fee.
⚖️ Breakeven Analysis
To recover the ₹1,499 annual fee at the base reward rate of 1.25%, you need to spend ₹1,19,920 annually.
🎯 Pro Tips
- ▸Best card for pharmacy & health spends
- ▸5% cashback on Apollo, 1mg, Practo etc.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹13,501
Effective Rate
1.1%
Ranked #50 of 173 cards#50
₹1,499 annual fee deducted from gross rewards value.
📊 Spending Scenarios - Real-World Returns
Health-conscious (₹35K/mo)
Monthly: ₹35,000 · Annual: ₹4,20,000
1.93%
Effective Return
other: ₹14,000/mogrocery: ₹10,000/mopharmacy: ₹3,000/mohealth wellness: ₹8,000/mo
Annual Rewards Value₹8,100
After Fee (₹1,499)+₹6,601
5% on health + pharmacy spends. 1.25% on rest.
🏷️ Best For
cashbacklifestyle