Ultimate Cashback Combo

5% Cashback on Bill Payments

Earn 5% cashback on utility bill payments (electricity, internet, gas) and DTH/mobile recharges made through Google Pay, capped at Rs. 500 per month combined with other categories

4% Cashback on Food & Cabs

Get 4% cashback on Swiggy, Zomato, and Ola transactions, with combined monthly capping of Rs. 500 across 5% and 4% cashback categories

Airport Lounge Access

Enjoy up to 4 complimentary domestic airport lounge visits per year (requires minimum spend of Rs. 50,000 in previous 3 calendar months)

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4,000, maximum benefit of Rs. 500 per month

Dining Discounts

Get up to 15% discount at over 4,000 partner restaurants across India

Affordable Annual Fee

Joining and annual fee of Rs. 499 + GST, waived on spending Rs. 2 lakh annually. Joining fee waived if you spend Rs. 10,000 within 45 days

5% Rewards on Amazon (Prime Members)

Prime members earn 5% reward points on Amazon.in purchases while non-Prime members get 3%. Unlimited, never-expiring rewards credited to Amazon Pay balance

2% Cashback on Partner Merchants

Earn 2% unlimited cashback on Amazon Pay partner transactions (excluding rent, tax, and education)

1% Cashback on Other Spends

Get 1% unlimited cashback on all other spending outside Amazon (excluding fuel, rent, tax, education, utilities, and international spends)

Lifetime Free Card

No joining fee or annual fee ever, making it perfect for budget-conscious shoppers

Low Forex Markup

Competitive 1.99% forex markup on international transactions

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India for transactions not exceeding Rs. 4,000