BEST FOR
Included: May suit cardholders who can spend ₹50,000 in a year to get the next-year annual fee reversed
Included: May suit regular everyday spends earning 1 Reward Point per ₹100
Included: May suit those who spend on fuel within ₹500 to ₹4,000 per transaction and use the surcharge waiver
Included: May suit those who want EMI conversion on retail purchases such as durables and electronics
Limitation: Spending mainly on education, insurance, utilities, rent, wallet load or fuel may wish to compare other cards.
Limitation: Those who spend mainly on fuel, utilities, insurance, rent or education may wish to compare other cards.
Limitation: Those who cannot reach ₹50,000 annual spend for the next-year fee reversal may wish to compare other cards.
Limitation: Those who rely on cash withdrawals, which carry a 2.5% processing fee (min ₹500) may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Page states the card is presently not sourced for new customers.
Condition: Second-year annual fee of ₹499 is reversed on spends of ₹50,000 in a year.
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.