What's good
- 1% cashback on all eligible UPI and POS transactions — no category tracking needed
- Very low income requirement: ₹10,000/month salaried — one of India's most accessible credit cards
- 2 domestic lounge visits/quarter + 2 railway lounge visits/quarter
- Works with all UPI apps (PhonePe, Google Pay, BHIM) for QR scan-and-pay
Watch out for
- ₹500/month cashback cap limits returns for high-spend users (max ₹6,000/year)
- Lounge access requires ₹50,000 spend in the previous quarter — steep for a ₹299 card
- 3.49% forex markup — purely a domestic card; avoid for international use
- Zero rewards on fuel, rent, education, government, insurance, EMI, and BBPS payments
Who should pick this card?
Best suited for someone focused on everyday upi & offline spenders.
This sits in the RuPay & UPI category — Link to UPI apps for rewards on every payment. Works seamlessly with BHIM, PhonePe, and Google Pay.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
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