Intro Offer
Annual Fees
₹500 + GST
Joining Fees
₹500 + GST
Reward Rate
1% 10%
Rating
3.9
| Category | Type | Qualifying Spend | Rate | RP Capping | Spend Capping | Conditions |
|---|---|---|---|---|---|---|
| dining | accelerated | Swiggy App - Food Delivery | 10.00% | Max. 1.5K / month | ||
| groceries | accelerated | Swiggy App - Instamart | 10.00% | |||
| dining | accelerated | Swiggy App - Dineout | 10.00% | |||
| others | accelerated | Swiggy App - Genie | 10.00% | |||
| shopping | accelerated | Online Spends - Apparels | 5.00% | Max. 1.5K / month | ||
| shopping | accelerated | Online Spends - Electronics | 5.00% | |||
| shopping | accelerated | Online Spends - Department Stores | 5.00% | |||
| shopping | accelerated | Online Spends - Pet Stores & Supplies | 5.00% | |||
| shopping | accelerated | Online Spends - Home Decor | 5.00% | |||
| shopping | accelerated | Online Spends - Personal Care | 5.00% | |||
| transport | accelerated | Online Spends - Local Cabs | 5.00% | |||
| entertainment | accelerated | Online Spends - Entertainment | 5.00% | |||
| healthcare | accelerated | Online Spends - Pharmacies | 5.00% | |||
| shopping | accelerated | Online Spends - Discount Stores | 5.00% | |||
| offline | base | Other Spends | 1.00% | Max. 500 / month | ||
| General Reward Points Capping: Max. 3.5K / month. Overall Maximum Monthly Cashback Capping across all categories | ||||||
Get x1 conversion value on redeeming 1 cashback for ₹1 statement balance
10% rewards
5% rewards
1% rewards
10% Cashback on Swiggy
Cardholders receive a generous 10% cashback on all Swiggy app spends, including food orders, Instamart, Dineout, and Genie, up to Rs. 1,500 per billing cycle.
5% Cashback on Online Spends
Users get 5% cashback on online spends across popular brands like Nykaa, Myntra, and Amazon, capped at Rs. 1,500 per billing cycle.
1% Cashback on Other Spends
The card offers 1% cashback on all other spends, with a maximum cap of Rs. 500 per billing cycle, providing value on every transaction.
Complimentary Swiggy One Membership
New cardholders receive a complimentary 3-month Swiggy One membership, offering additional benefits and savings on Swiggy services.
Annual Fee Waiver
The annual fee of Rs. 500 is waived off if the cardholder spends Rs. 2 lakh in a year, making it cost-effective for high spenders.
Minimum Transaction Limit for Cashback
Cardholders do not earn cashback on transactions less than Rs. 100, limiting the benefits for smaller purchases.
No Airport Lounge Access
The card does not offer complimentary airport lounge access, which is a common perk in many entry-level credit cards.
No Fuel Surcharge Waiver
There is no fuel surcharge waiver, making it less attractive for users who frequently spend on fuel.
Limited 5% Cashback Merchants
The 5% cashback on online spends is limited to select merchants and specific Merchant Category Codes (MCCs), excluding some e-retailers.
Cashback Exclusions
Cashback is not earned on several categories, including fuel, rent, EMIs, jewelry, wallet, and government transactions.
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