Card Benefits
Key benefits available with this card.
5% Universal Online Cashback
Earn 5% cashback on all eligible online transactions across websites and apps in India without any merchant restrictions.
1% Offline Spends Cashback
Get 1% cashback on eligible in-store offline purchases and everyday transactions.
High ₹4,000 Monthly Cap
Earn up to ₹4,000 combined cashback per statement cycle, enabling total annual savings of up to ₹48,000.
Automatic Statement Credit
Earned cashback is auto-credited to your credit card statement within 2 working days of statement generation—no vouchers, points, or redemption fees.
Annual Fee Spend Waiver
The ₹999 renewal fee is reversed upon reaching ₹2,00,000 or more in eligible spends in the preceding year.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000 across all petrol pumps in India (capped at ₹100 per statement cycle).
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| All Online Spends | 5.0000% | 5% direct cashback across all online websites and mobile apps. Combined monthly online and offline cap of ₹4,000 applies. |
| Offline In-Store Retail | 1.0000% | 1% direct cashback on eligible offline point-of-sale and merchant store spends. |
| Excluded Categories | 0.0000% | Spends on fuel, digital gaming, tolls, govt, wallet, rent, jewellery, education, utility, insurance, gift shops, railways, and EMIs do not earn cashback. |
Airport Lounge Access
Fuel Surcharge Waiver
Current Offers & Promotions
Annual Fee Spend Waiver
Active₹999 Waived
Maximum benefit: 999.00
Annual renewal fee of ₹999 is waived on reaching annual spends of ₹2,00,000 or more in the previous year.
1% Fuel Surcharge Waiver
Active1% Surcharge Refund
Maximum benefit: 100.00
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle.
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹30,000 / month
₹360,000 / year ITR
650+
New-to-Credit: Allowed only for Salaried
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 65 years. Employment: Salaried and Self-employed. Minimum Monthly Income: ₹30,000. Credit Score: 650+ with no delayed payments in the past 12 months. New-to-credit applicants allowed only for salaried profiles.
Income: Salaried: ₹30,000 per month. Self-employed: Annual income / ITR > ₹3,60,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 650+ with no delayed payments in the last 12 months.
Documents Needed
Fees & Charges
₹999
₹999 + GST
Pros
• Flat 5% cashback across virtually all online websites and apps without brand restrictions
• High combined cashback cap of ₹4,000 per statement cycle (up to ₹48,000/year)
• Direct auto-credit to statement balance within 2 working days (zero redemption fee)
• 1% cashback on eligible offline retail spends
• Low credit score cutoff (650+) with NTC approval possible for salaried applicants
• Annual fee waived on ₹2 Lakhs spend
Cons
• ₹999 joining fee with no official joining welcome voucher
• No complimentary domestic or international airport lounge access
• Long list of excluded categories (rent, utilities, fuel, education, wallet reloads, jewellery, insurance)
• 1% fuel surcharge waiver is capped at ₹100 per statement cycle