BEST FOR
Included: May suit those with a ₹495 + taxes annual fee budget who spend on partner merchants and can reach ₹40,000 a year for.
Included: Cardholders who may spend regularly on Zomato, Ajio, Nykaa, BookMyShow, Uber or Amazon
Included: Those who may reach ₹40,000 a year of eligible spend for the renewal fee waiver
Included: Those who may value ₹500 vouchers at annual spend milestones
Limitation: Those whose spend is mainly fuel, insurance, utilities, cash or EMI at point of sale may wish to compare other cards.
Limitation: Those whose spend is mainly fuel, insurance or utilities, which earn no points may wish to compare other cards.
Limitation: Those wanting airport lounge access may wish to compare other cards.
Limitation: Those who spend mostly outside the partner merchants may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Eligible merchant partners may change from time to time; the full list is on the bank's page
Condition: Welcome gift is first year only, on payment of the annual fee; statement credit is given within 10 working days of completing eligible spends
Rewards & real value
What the card earns, and what changes that figure in practice.
Eligibility
Fees & ownership
Benefits & privileges
Caps, exclusions and redemption
Who this card may suit
Figures last checked 31 Oct 2026 against the issuer’s published terms.