Eligible spend
1% on eligible spend
Should you get this?
Conditional fit
Trade-off
Annual fee waiver isn't clearly documented.
Card fees No joining fee From year 2 · ₹499 / year
Rewards 1%
Forex markup 3.5% high
Compare with Axis Bank ACE →
Similar tier comparison
What it costs to get, and to keep
Joining vs renewalFirst year
No joining fee
From year 2
₹499renewal fee
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
Domestic spend1%Credited as reward points—
Cred (domestic)5%Credited as reward points5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping
UPI5%Credited as reward pointsShared across Cred (domestic), UPI & Online shopping
Online shopping5%Credited as reward points · online onlyShared across Cred (domestic), UPI & Online shopping
Show all 7 earning rules (3 more)
International spend1%Credited as reward points—
Upi Scan Pay1%Credited as reward points500 points per statement cycle; at 1%, this lane reaches the cap at ₹50,000 of eligible spend
Utility Insurance1%Credited as reward points—
One shared ceiling applies across 3 of these categories — they draw from the same cap pool.
Annual fee in context
Annual fee is ₹499. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Best verified lane
Online shopping
5%
View bonus categories →Caps
- Cred (domestic)5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping
- Upi Scan Pay500 points per statement cycle
Why?
at 1%, this lane reaches the cap at ₹50,000 of eligible spend
Realisation
Credited as reward points
Costs & fees
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Lounge access not verified.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1%). Up to ~500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Fee waiver conditions unclear — verify
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Lounge access not verified
Rewards
- Base earn
- 1% on eligible spend value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.95% / month
- Annual fee
- ₹499
- Joining fee
- ₹0
International Use
- Forex markup
- 3.5%
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Product tier
- Entry-level
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹500–₹5,000.
Fine print & compare
Compare with similar cards
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The fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Statement-cycle cap: 5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping.
- Statement-cycle cap: 500 points per statement cycle; at 1%, this lane reaches the cap at ₹50,000 of eligible spend.
- After the shared cap is reached, post-cap earning varies — check issuer terms.
- After the category cap is reached, post-cap earning varies — check issuer terms.
Latest update
- Annual fee: ₹499.
- Forex markup currently listed at 3.5%.
- Lounge access not verified.
Common questions
From verified card factsIs this good for lounge access?
Lounge access is not fully verified. Check issuer terms before relying on this card for lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Value depends on usage and waiver terms. GST may apply on the annual fee.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum