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| Feature | ||
|---|---|---|
| Joining Fees | ₹500 + GST | ₹1,000 + GST |
| Annual / Renewal Fee | ₹500 + GST | ₹1,000 + GST |
| Fee Waiver Condition | Waived @ ₹3.5L | Waived @ ₹1L |
| Best Suited For | Active shoppers & frequent online spenders seeking maximum cashback & rewards on everyday purchases. | Active shoppers & frequent online spenders seeking maximum cashback & rewards on everyday purchases. |
| Reward Type | Cashback (Credited directly as statement credit) | Cashback (Credited directly as statement credit) |
| Reward Rate | 5% Cashback on Flipkart & Cleartrip, 7.5% Cashback on Myntra, 4% Cashback on Preferred Partners (Swiggy, Uber, PVR, FitPass & Stoga by FitPass), and 1% Cashback on All Other Spends | 5% Cashback Up to 1,000 CashPoints at Top Ten Online Merchants in India. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends |
| Welcome Benefits | ₹250 Flipkart Voucher + ₹100 Swiggy Discount | 1,000 CashPoints |
| Lounge Access | 4 complimentary domestic airport lounge visits per calendar year across India | 4 complimentary domestic airport lounge visits per calendar year across India |
| Forex Markup | 3.5% + GST on international transactions | 3.5% + GST on international transactions |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 | 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 |
| Cashback Rate | 5% Cashback on Flipkart & Cleartrip, 7.5% Cashback on Myntra, 4% Cashback on Preferred Partners (Swiggy, Uber, PVR, FitPass & Stoga by FitPass), and 1% Cashback on All Other Spends | 5% Cashback Up to 1,000 CashPoints at Top Ten Online Merchants in India. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends |
| Interest Rate | 2.49% to 3.6% per month (29.88% to 43.2% per annum) | 2.49% to 3.6% per month (29.88% to 43.2% per annum) |
| Milestone Benefits | Bonus reward vouchers upon achieving quarterly/annual spend targets | Bonus reward vouchers upon achieving quarterly/annual spend targets |
| Add-on Cards | Up to 3 lifetime free add-on cards for immediate family members | Up to 3 lifetime free add-on cards for immediate family members |
| Insurance Cover | Zero liability on unauthorized transactions + complimentary personal accidental cover | Zero liability on unauthorized transactions + complimentary personal accidental cover |
| Eligibility | Age 21-65 years; Indian resident; Salaried (min ₹25,000/mo) or Self-Employed | Age 21-65 years; Indian resident; Salaried (min ₹25,000/mo) or Self-Employed |
| Credit Score | 700+ CIBIL score recommended for instant digital approval | 700+ CIBIL score recommended for instant digital approval |
| Phone Support | 24/7 Toll-free customer helpline & in-app chat support | 24/7 Toll-free customer helpline & in-app chat support |
| Mobile App | Full card management, spend tracking, bill splitting, EMI conversion & UPI payments | Full card management, spend tracking, bill splitting, EMI conversion & UPI payments |
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