Fees, rewards, exclusions and lounge benefits can change. Verify current issuer terms before applying.
| Joining fee | Verify current fee |
|---|---|
| Annual fee | Verify current annual fee |
| Fee waiver | Check current waiver terms |
| Category | General |
| Network | Visa / network may vary |
| Welcome benefit | Check current issuer offer |
| Reward rate / value | Check current reward terms |
| Rewards | Check current issuer reward terms. |
| Cashback | Cashback subject to eligible categories, caps and exclusions. |
| Lounge | Check current lounge policy. |
| Fuel / Dining | Check current fuel waiver terms. Check current dining offers. |
| Forex markup | Verify current markup |
Eligibility overview
Issuer policy applies.
Benefits
Straightforward cashback proposition.
Points to check
Category caps and exclusions can affect value.
Income guidance
Issuer-specific
✓ Review & Source
Reviewed by 1F India Editorial TeamLast reviewed: 26 Sep 2026₹ Calculate True Value
Estimate annual rewards minus annual fee using your own spending assumptions.Open 1F True Value →Before you apply
Compare annual fees against benefits you will realistically use. Review reward caps, excluded categories, finance charges and foreign-currency costs.