70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Use for listed 5% merchants up to monthly cap, then switch to SBI Cashback or similar card
Fuel, wallet, EMI, rent and government spends excluded; third-party education payments excluded
Latest change: Data correction: removed misleading annual milestone approximation and independent lounge implication
For Gen Z & Online Spenders. 5% on shopping spend. ₹1,000 fee, waiver at ₹1,00,000. Lounge rule: ₹1,00,000 / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Gen Z & Online Spenders
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
These are objective same-bank step-up options from the current rewards and lounge model.
Annual fee: ₹1000
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹1,000
Waived on ₹1L spend
Shopping spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
4 domestic • 0 international policy count
Card-level policy notes: • Lounge access requires choosing lounge voucher instead of ₹1,000 milestone voucher; no independent free swipe benefit. • Merchant terminal/merchant IDs and Uber commute MCC 4121 determine 5% eligibility. • ₹1 lakh net spend in each calendar quarter unlocks a choice: ₹1,000 voucher OR one domestic lounge voucher, not both. - Source file: Mastercard India participating airport lounges PDF. - Imported lounge rows are network-level and apply only where issuer card variant enables Mastercard lounge access. - Verify issuer-side spend thresholds, card eligibility, and visit caps before travel. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.