Key benefits
- 5% cashback on all online spends, any website or app
- 1% cashback on offline spends
- Cashback auto-credits, capped at ₹4,000 a month
Eligibility and fees
- Annual fee
- Fee ₹999 + GST a year, waived on ₹2L spends
- Who can apply
- Salaried or self-employed
- Minimum income
- Salaried: ₹30,000 a month
Self-employed: ₹30,000 a month - Credit score
- 650 or above
- First credit card?
- Yes, if salaried
- Income ₹30,000+; New to Credit allowed for salaried
- Credit score 650+ with no late payments
Before you apply
- Keep your PAN, Aadhaar and latest income proof (salary slips or ITR) ready.
- Apply for one card at a time. Several applications in a short time can lower your credit score.
- Approval, credit limit and final fees are always decided by the bank.
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Credit Universe may earn a commission from the bank if you are approved, at no cost to you. Approval is always the bank’s decision.