BEST FOR
Included: May suit people who prefer cashback over reward points and can reach ₹4 lakh annual spends to waive the next year's fee
Included: People who prefer cashback over reward points and spend regularly on travel and dining.
Included: Those who may use the monthly BookMyShow 1+1 offer and fuel surcharge reversal.
Included: Those who may use a loan facility within the card limit (Xpress Cash).
Limitation: Those whose spends are mainly on fuel, utilities, insurance, rent or education may wish to compare other cards.
Limitation: Those whose spends are mostly on fuel, utilities, insurance or rent may wish to compare other cards.
Limitation: Those seeking a no-annual-fee card may wish to compare other cards.
Limitation: Those wanting cashback above ₹500 per calendar month may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Welcome ₹250 cashback needs a card purchase within 30 days of issuance and the annual fee paid by the payment due date.
Condition: Fuel surcharge reversal applies only to fuel transactions between ₹500 and ₹4,000; BookMyShow 1+1 is once per billing cycle month, up to ₹200 off.
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.

