70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Use direct eligible merchant channels and track billing-cycle caps before routing more spend
Swiggy Food, Instamart and Dineout only; merchant and terminal IDs determine eligibility
Latest change: Data correction: aligned reward caps and welcome membership with issuer terms published 22 September 2026
For Heavy Swiggy users who can justify premium fee economics. 10% on dining spend. ₹1,000 fee, waiver at ₹2,00,000 / year. Skip it for lounge access.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Heavy Swiggy users who can justify premium fee economics
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.
Swiggy users who want lower-fee cashback coverage
Gen Z & Online Spenders
Users who can consistently monetize monthly merchant offers
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹1,000
Joining fee waiver on ₹75,000 spend in first 90 days; renewal fee waiver on ₹2L annual spend
Dining 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.
Check a purchase using merchant, channel and cap inputs
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.
No airport-level lounge rows are currently listed.
No complimentary lounge program is listed in reviewed issuer terms.
Derived from card policy signals
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
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.
Scoped issuer review: 2026-10-12. Purchase earning, caps and selected fee/redemption/policy facts only. Not a whole-card certification.
Annual categories do not establish merchant coding, channel, transaction size or redemption choices.
Still to check: full tariff, redemption path, availability/cohort, promotions and current airport locations for your intended use.
Purchase rules checked 2026-10-12. Choose the actual payment channel; the bank’s merchant coding determines eligibility.
Confirm the issuer-eligible merchant coding, channel and exclusions before calculating.
Assumes the selected eligibility and available cap are correct. Rewards are before issuer rounding. Fees, GST, redemption charges, welcome benefits and milestones are separate; this does not certify the whole card. The calculation check expires after 90 days.