1. Lifetime free 2. 2 RP per ₹100 via UPI 3. Flexible redemption (cash, vouchers, miles) Ideal for budget-savvy spenders
₹99 joining fee Up to 3% CashPoints on dining/groceries 2% on utilities | 1% others Smart choice for daily UPI transactions
Lounge access + movie discounts Base rewards on UPI spends Lifetime free for ICICI users Perks beyond payments
₹1,499 fee 1.5% NeuCoins on UPI Extra rewards on Tata brands Includes domestic/international lounge visits
₹0 joining fee 1.5% cashback on UPI + offline spends 3% online (capped at ₹5K/month) Great for mixed spenders
Joining Fee: ₹1,499 Welcome Gift: ₹1,500 PhonePe e-gift voucher Rewards: Up to 10% on PhonePe & Pincode spends Up to 5% on other online spends 1% on all other eligible spends
Align card rewards with your primary spending categories Evaluate joining fees and annual waiver conditions carefully Understand the redemption process, whether cash credit, vouchers, or travel perks