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This Zero-Fee Credit Card is Sponsoring Your Next Weekend Trip to Nainital (2)

This Zero-Fee Credit Card is Sponsoring Your Next Weekend Trip to Nainital

Beat the Heat with Scapia | June, 2026 Have you been planning an escape to beat the scorching summer heat but keep postponing it? Don’t skip your dream vacation anymore. If you are a salaried professional with a circle of working friends, a travel-tech app called Scapia might just sponsor your group’s entire weekend trip to Nainital this month. How exactly does a credit card pay for your mountain holiday? Let’s dive straight into their generous referral program. Disclaimer: This blog may contain affiliate or referral links which may earn us a commission at no additional cost to you. These rewards support the maintenance of this website but doesn’t affect our review. Table of Contents Scapia’s June Referral Sprint Why to Apply for Scapia? Cult Tip to reach the ₹20,000 spend The Nainital Weekend Calculation Conclusion Scapia’s June Referral Sprint Why to Apply for Scapia? Cult Tip to reach the ₹20,000 spend The Nainital Weekend Calculation Conclusion Scapia’s June Referral Sprint | Worth ₹26,500 Before breaking down the travel math, let’s quickly introduce the card. Scapia is a travel-focused fintech app that issues co-branded credit cards in partnership with Federal Bank and BOBCARD. It isn’t just another casual plastic card; it is currently the absolute market leader in the Lifetime Free Travel category. Scapia Eligibility: Are You and Your Friends Eligible? Before you start sharing your link in your WhatsApp groups, make sure your friends can actually clear the approval filters. If they get rejected, you don’t get milestone credit. First, check these prerequisites required to successfully apply and get the Scapia Card: Employment Type: They must be Salaried or Self-employed with steady monthly income. Card holder Age: Depending on whether Scapia routes them via the Federal Bank or BOBCARD system, the age criteria changes. Salaried professionals generally need to be between 21 and 65 years old (or 25-60 for the BOBCARD variant) While self-employed can be between 25 to 65 years for Federal Variant. Annual Income: Minimum annual income of ₹5 Lakhs is required The Federal Bank Restriction: If your friend already holds an active co-branded Federal Bank credit card (like the Fi Card, Federal OneCard, or Scapia old variants), the bank might auto-reject their application. Scapia Referral Program (June’26) Now for the exciting part: Scapia’s June referral program is aggressively rewarding. If you manage to successfully refer your friends and colleagues by June 30th, you unlock stacked milestone rewards: Refer 3 People: Earn ₹1,500 worth of Flipkart Vouchers Refer 6 People: Earn ₹25,000 worth of Flipkart Vouchers By unlocking the 6-referral tier, you accumulate a combined ₹26,500 in pure Flipkart purchasing power. Since Flipkart’s travel ecosystem allows you to seamlessly book flights, trains, buses, and thousands of hotels across India, these milestone vouchers function exactly like a pre-paid travel fund. That is more than enough to fully cover your AC Volvo bus fares and hotel stay in Nainital. And if your circle is large enough to push further? Refer 10 People Successfully: Earn an Apple Watch SE 3 (worth ₹33,000) You might wonder: Should I recommend this card to my friends just for a sponsored trip? Absolutely. You aren’t pushing a high-fee product on them. The Scapia card is an absolute powerhouse that genuinely earns its spot in any traveler’s wallet. CULT TIP Use Aadhar-linked Number: Not using the Aadhar-linked mobile number for signup means instant rejection. Why to Apply for Scapia | Scapia Credit Card Benefits Scapia is one of its kind, an absolute beast when it comes to travel or airport privileges. Here are the top 5 best benefits I love about Scapia. 1. Unlimited Airport Privileges This is Scapia’s primary selling point that competitors cannot touch. Cardholders unlock unlimited complimentary domestic airport lounge access along with options for free shopping, dining, or spa sessions at the airport. Each departure you can choose any one of the offered airport privileges. Check Eligible Airports here. The criteria to unlock this benefit is modest: you simply need to maintain a combined spend of at least ₹20,000 in your previous billing cycle across your Scapia cards. 2. Zero Forex Markup Fees Planning an international trip later in the year or any upcoming foreign course fee? Scapia charges a clean 0% forex markup on all overseas transactions, making it one of the cheapest ways to spend forex money. Note: While the forex fee is zero, you do not accumulate reward points on foreign currency transactions. 3. 4% Value back on Travel Spends Every travel booking made directly inside the Scapia app earns you a 20% return in Scapia Coins. Since 5 Scapia Coins equal ₹1, this translates to a solid 4% flat value back that you can instantly redeem against future flights or hotel stays. 4. Unlimited 2% Valueback on Everything Else While traditional cashback cards restrict rewards to specific categories, Scapia gives you an unlimited 2% value back on all regular spends. Whenever your other co-branded cards fail to provide attractive rewards or restrict you to a low 1% baseline, Scapia functions as the perfect backup. 5. 2% Valueback on Jewelry & Gold This is a hidden gem for gold buyers. Where the vast majority of Indian credit cards explicitly exclude gold and jewelry Merchant Category Codes (MCCs) from earning rewards, Scapia explicitly includes them. You earn the full 2% value back on your gold purchases. Blog Recommendation: Checkout our complete personal review blog on Scapia Credit Card to know every detail about the Scapia. Cult Tip: How to Unlock the ₹20,000 Spend Threshold This card is a complete no-brainer for my personal strategy. If I know I have 2 or 3 flights lined up during next billing cycle, my sole goal in this billing cycle is to hit that ₹20,000 spend target to secure unlimited lounge access. Here are my favorite ways to clear that milestone: Routing everyday spends where my primary cashback cards offer less than 2%. Purchasing brand vouchers via platforms like CRED when Scapia’s 2% reward structure yields the highest return. Direct online gold purchases from mainstream digital

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I Got 1g Gold under ₹13,000 with Multipl App (Not a Clickbait, Proofs Inside) Thumbnail

I Got 1g Gold under ₹13,000 with Multipl App (Not a Clickbait, Proofs Inside)

Buy 1g Gold under ₹12,000 with Multipl App If you are a smart gold investor, you already know that buying gold at retail price is a beginner’s mistake. We are always on the lookout for credit card rewards, gift card hacks, and store discounts to bring our effective buying price down. By combining a new “Spendvesting” app called Multipl with standard e-commerce hacks, I managed to score a massive discount and purchased 1g gold from Flipkart Minutes at just ₹12,859. In this post, I’m going to break down exactly how the app works, the current ₹2,500 promotional loop, and how you can buy gold even under ₹12,000. Let’s dive in! Signup Now! (6G7WX) Disclaimer: This blog contains affiliate/referral links, which may earn us a commission at no additional cost to you. These rewards supports maintenance of this website but doesn’t affect our review. Table of Contents What is Multipl App? The ₹2,500 Referral Promo: How it works? How to get 1g Gold for under ₹12,000? How did I get 1g gold for ₹12,859? Proof. Final Verdict How to buy Gift Vouchers from the Multipl App? What is Multipl App? The ₹2,500 Referral Promo: How it works? How to get 1g Gold for under ₹12,000? How did I get 1g gold for ₹12,859? Proof. Final Verdict How to buy Gift Vouchers from the Multipl App? What is Multipl App? (Concept of “Spendvesting”) Most people save money in a traditional savings account earning a measly 3% interest. Multipl App changes this dynamic with a concept they call “Spendvesting”—investing your money specifically for upcoming expenses rather than just letting it sit idle. The Higher Yield Spending Account Multipl offers a Higher Yield Spending Account where you can park your money (similar to a savings account) but earn up to 7% returns instead of the standard 3% you get from traditional banks. It is designed to keep your money liquid while giving it a significant yield boost before you spend it. It comes with no lock-in period and can be redeemed for gift vouchers or into bank at any time of the day. Very soon, you will be able to use your spending account money to pay through UPI. Note:  Multipl’s Spending Account allows to instantly redeem/withdraw max 90% of the mutual funds value in a day (up to ₹50,000 per AMC). For the balance amount, you have to make the standard redemption request which takes T+2 days to liquidate and get credited to your linked bank account. Multipl is parking the Spending Account money in Axis Liquid Fund-Direct Plan-Growth Option. So, returns are based on how it performs. The ₹2,500 Multipl Invite Promo: How It Works? Right now, Multipl is running an aggressive referral campaign that is a dream come true for online shoppers. If you sign up using Multipl referral code (6G7WX) and invest 25,000 in their Higher Yield Spending Account, they hand you ₹2,500 worth of Gift Voucher (GV) discounts. Here is the exact step-by-step process to unlock the reward: Sign Up: Download the app and signup with Multipl Invite Code 6G7WX () to unlock ₹2,500 worth voucher discounts and complete your investing profile. Complete KYC: The KYC process is incredibly smooth—no video KYC required. You will just need your PAN and Aadhaar details to get verified. Link Your Bank: Connect a bank account in your name (Should match PAN). Add Funds: Deposit ₹25,000 into the Higher Yield Spending Account using UPI. Unlock the ₹2,500 Reward: It takes 2-3 days for successful investment and the moment your ₹25,000 is safely deposited, your ₹2,500 gift card discount pool is unlocked. Breaking Down the Gift Voucher (GV) Discount Structure You don’t get a single ₹2,500 voucher; instead, you get a highly lucrative discount multiplier: You can buy Gift Vouchers 10 times with a flat ₹250 off on a minimum purchase of ₹1,000 (Note: Vouchers are purchased with your money in Spendvesting account), complete process shared below. This translates to an immediate 25% flat discount on your purchases. On top of that, you get Multipl’s base platform discounts on vouchers (e.g., Amazon vouchers have a ~1.75% discount, and Flipkart has a ~2% discount). Total Value: You end up getting a massive 26.75% to 35% total discount on your vouchers! How to Get 1g Gold for Under ₹12,000 with Multipl This is where things get exciting for our Gold Deals Community. If you buy physical gold coins, bars, or jewelry online (via Flipkart or Amazon), this offer is a game-changer. By strategically sourcing Flipkart Gift Vouchers through Multipl, you can drastically cut down the cost of physical gold. Let’s look at the math and the exact strategies you can use. Strategy 1: The Single-Account Method (My Personal Proof) If you open just one Multipl account with our Multipl Invite Code ‘6G7WX’ (), you get the ₹2,500 worth gift card discount, effective 25% discount. Additionally, you will get the 2% base discount on Flipkart Voucher purchase. So, you can get ₹10,000 worth of GVs by just paying ₹7,300. Now, pay the rest of the amount with any card discount offer or buy/stack gift vouchers from the Cred App at minimum 2% discount plus additional cashback with cards. Don’t forget to checkout the Deals of the Day Section for Flipkart Gift Card at up to 4.5% discount to get 1 gram gold under 13,000. Strategy 2: The Double-Account Multiplier (The Ultimate Hack) If you have a family member (spouse, sibling, or parent), you can double down on this strategy: Open Account A (Your account): Deposit ₹25,000 and Get ₹10,000 in Vouchers for ₹7,500 plus base discounts. Refer Account B (Family member): Deposit ₹25,000 and Get another ₹10,000 in Vouchers for ₹7,500. Plus, referral benefit of ₹250. Combine all ₹20,000 worth of Flipkart Gift Vouchers onto a single Flipkart account. By pooling these high-discount vouchers across 2 Multipl accounts, you can drive the effective cost of 1 gram of gold down to an unbelievable ₹11,680/g! (Considering 1g Gold Price to be ₹16,000 and claiming 25+2% discount on it.) CULT TIP You can consider

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Supercard vs supercard pro

Super Money Credit Card: SuperCard vs SuperCard Pro

SuperCard vs SuperCard Pro | Best for You? In the rapidly evolving fintech landscape of 2026, the super.money ecosystem (backed by the Flipkart-Axis alliance) has disrupted the traditional credit market. While the standard SuperCard is to target the credit-starved users, the SuperCard Pro has emerged as the heavy-hitter for those looking to maximize rewards on UPI. If you are confused about which Super Money Credit Card belongs in your wallet (SuperCard vs SuperCard Pro), this guide will help you pick the right one. But, if you were here just for the super money credit card referral link (working as of ) then I have shared the same below. Let’s get started! Invite Link Disclaimer: This blog may contain affiliate/referral links, which may earn us a commission at no additional cost to you. These rewards helps us maintain the website but doesn’t affect our review. Table of Contents SuperCard Vs SuperCard Pro How to Apply for Super Money Credit Card? Why you should apply in 2026? Super Money Credit Card Competitors Final Verdict Super Money FAQs SuperCard Vs SuperCard Pro How to Apply for Super Money Credit Card? Why you should apply in 2026? Super Money Credit Card Competitors Final Verdict Super Money FAQs SuperCard vs SuperCard Pro | Comparison Table The primary difference between these two is its Reward Structure & Eligibility Requirements. While the standard SuperCard focuses on accessibility and building credit, the Pro version is designed to reward high-UPI spenders. For better clarity, here is a head-to-head comparison of both the Super Money Credit Card Variants: SuperCard vs SuperCard Pro. 3% Cashback*: The SuperCard Pro used to offer flat 3% cashback up to ₹500/month but after the recent devaluation (in Jan’26), Axis Bank made their simple cashback rule complex. Now, cardholders can simply earn 3% Cashback up to ₹100 but after that the 3% Category Cashback can not exceed the Cashback earned through the 1% Category. Blog Suggestion: Axis SuperCard Pro Cashback Update (Effective 1st January, 2026) How to Apply for Super Money Credit Card? Applying for any of the Super Money Credit Card Variant is super easy. Just follow the detailed process shared below: Download Super.Money App: Download the app with our Super Money Credit Card Referral Link to get up to ₹500 cashback on applying for the SuperCard Pro within 25 days of signup. You will also earn up to ₹100 cashback on first UPI with the app. Provide Details & Link Bank: Signup with personal details and link your bank account with the app to start the UPI transactions. Apply for Super Money Card: Tap on the Card Section (below), click on GET SUPERCARD PRO to get started. Provide Income & PAN Details: Next, it will ask for PAN, Employment type and Monthly Income. Provide all that it will run the eligibility check. If you are eligible for the SuperCard Pro then it will continue for the Aadhar and Video KYC.  SuperCard (Basic Variant): But if you were found ineligible for the SuperCard Pro, it will you ask to apply for the SuperCard (basic variant). You can apply for it with any FD amount starting ₹100. Cult Tip: Make sure to do first UPI transaction with a bigger amount to get better cashback on first UPI payment. Why You Should Apply in 2026? The credit landscape has shifted from “Physical Swipes” to “Digital Scans.” Here is why these cards are currently top-tier: UPI Power: Both cards run on the RuPay network, meaning you can link them to any UPI app (BHIM, PhonePe, Google Pay, or the super.money app). Zero Maintenance: With Lifetime Free (LTF) status, there is no pressure to spend a certain amount just to waive an annual fee. Instant Gratification: The super.money app provides a “Super Jackpot” and instant cashback notifications, making the reward system transparent and engaging. Ecosystem Synergy: If you shop on Flipkart or Myntra, the integration provides faster checkouts and exclusive “Super” discounts or cashbacks. The Competition: Who Else is in the Ring? While the SuperCard duo is strong, 2026 has brought several formidable competitors to the Indian market: Kiwi RuPay Card: A pure-play UPI credit card that offers up to 5% Value back in form of “Kiwi” rewards for every scan, directly competing with the SuperCard Pro’s value proposition. Know More | Apply Here Tata Neu Infinity: Offering 5% back on Tata brands and 1.5% value back on UPI in form of NeuCoins. It’s a direct rival to SuperCard Pro for brand-loyal shoppers. Know More | Apply Here SBI Cashback Card: Not a direct RuPay on UPI competitor of Super Money still the gold standard for online shopping, offering 5% flat cashback. Know More | Apply Here Note: There are many other RuPay-UPI Competitors but I consider them as the best alternative to Super Money Credit Cards. Final Verdict: Which one for you? Choosing the right super money credit card variant depends entirely on your need. Apply for the SuperCard if you are building your credit from scratch or want a safe, FD-backed limit. Apply for the SuperCard Pro if you have an existing credit history and want the highest possible cashback on your daily UPI scans. Expert Tip: In 2026, the best strategy is to use the SuperCard Pro for all UPI transactions under ₹2,000 and keep a dedicated online card (like SBI Cashback Credit Card) for larger e-commerce purchases. Apply Now Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results. We hope you found this comparison blog useful and we will highly recommend you to checkout a related blog: Trick to Get Free Kiwi Neon Membership. Super Money Credit Card FAQs Can I upgrade from SuperCard to SuperCard Pro? Yes, based on your repayment history and spending patterns, the super.money app may offer an “Upgrade to Pro” notification. This usually

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My Free Shopping Experience at Airport with Scapia Airport Privileges

My Free Shopping Experience at Airport | Scapia Airport Privileges

Scapia Airport Privileges: My Personal Experience ✕ 🎁 Get ₹500 Voucher Applying for Scapia Card? Apply now and Claim an Extra Amazon Voucher worth ₹500. Claim → We’ve all hear about the Scapia Airport Privileges offering “Unlimited Lounges” and “Complimentary Airport Shopping.” In a world where credit cards are devaluing faster than ever, Scapia’s USP sounds too good to be true. On my recent round-trip between Delhi & Mumbai, I decided to put these Scapia privileges to the test. I already had lounge access through other cards, so I ignored the “Lounge” button and went straight for the “Shopping” privileges. Here is exactly how I walked out of two major airports with a book and premium chocolates without spending a single rupee of my own. Let’s dive in! What is Scapia and Airport Privileges? Before I dive into my Delhi-Mumbai haul, let’s clear the air for those who don’t have the card yet. The Scapia Credit Card is a lifetime-free travel card that has become famous for one major thing: Unlimited Airport Privileges. The “Airport Privileges” Concept Unlike most cards that only give you a buffet meal in a crowded lounge, Scapia gives you a CHOICE. Every time you depart from an airport, you can choose one of the following: Lounge Access (Eligible Domestic Airport Lounges), or Complimentary Shopping/Dining/Spa (100% value back in form of Scapia Coins, up to ₹1,000) The “2026” Eligibility Rule for Airport Privileges To be eligible for these airport perks, there is one Modest Spend Criteria. You must spend at least ₹20,000 in your previous billing cycle (with RuPay and/or Visa Card) to unlock Scapia airport privileges in the current billing cycle. Note: This spend requirement was recently increased from ₹10k, so make sure you’ve hit the target in the previous billing cycle before you reach the terminal! Thinking of applying? Check out my Detailed Scapia Card Personal Review for a deep dive into the rewards, eligibility, and whether it still beats other travel cards in 2026. Leg 1: Delhi T1 (The Lounge Drama & Relay Store) Our journey started at Delhi T1 with a bit of a reality check. I walked in confidently, thinking my Tata Neu Card (Dreamfolks) QRs would be my golden ticket to Encalm Lounge. The Reality Check: The Encalm Lounge rejected the QRs. 4 Lounge QRs were wasted and that’s exactly why it is very important to check the list of eligible airports that your card has partnered with for lounges. Suddenly, I was the only one left outside while the rest of my group was already inside using PNB Select RuPay Debit Cards (which luckily still had lounge access until 12th April). I stood there, looking at my phone, thinking: “I have Scapia, but I’m saving that for my shopping experiment. How do I get in without burning my Scapia credit?” The Kiwi Neon Save: Then it hit me. I had recently hit the ₹50,000 spend milestone on my Kiwi Neon Membership making me eligible for 1 domestic lounge. I opened the Kiwi app, generated my boarding pass-linked QR, and boom—I was in. Free IKIGAI Book with Scapia at Delhi Airport Shopping Offer Activated at Mumbai Airport Free Lindt Box with Scapia at Mumbai Airport Leg 2: Mumbai T1 (The Cococart Heist) Coming back from Mumbai (Chhatrapati Shivaji Maharaj International Airport, T1), I didn’t even bother trying the Tata Neu QRs—I knew the “The Travel Club” lounge would again reject it. The Reddit Strategy Since I was traveling in a group and several people lacked lounge access, I used a pro-traveler hack: I “purchased” lounge QRs for everyone through the r/indiadealsexchange subreddit for ₹150 each. The Math: By spending ₹150 for the lounge, I “saved” my Scapia privilege for something much more valuable. The Shopping Finale Once we were done with the lounge, I headed to Cococart Store. If you’re a chocolate lover, this is the best way to use Scapia. The Cost: I tried to search for a product near ₹1,000 and found an item costing exactly ₹999. The Item: A premium box of Lindt Chocolates worth ₹999. The Activation: Same process—activated the “Shopping” privilege in the app, swiped, and secured the 100% Value back. The “Scapia Airport Privilege Strategy” Summary We are now close to the end of this personal blog and if there’s one thing you take away from my trip, let it be this: Don’t waste Scapia on a lounge stay. Feature Market Value Why I Chose Shopping Lounge Access ₹150 – ₹200 (Reddit/Other Cards) Lounges are getting easier to “hack” or get through basic cards. Shopping ₹1,000 (Hard Cash Value) No other card in India gives you ₹1,000 of actual products for free. Rules You Must Know Before You Fly (2026 Update) The Minimum Spend Criteria: You must have spent ₹20,000 in your previous billing cycle to enjoy the Unlimited Airport Privileges in the current billing cycle. No spend = No privileges. Departure Only: You can’t use these on arrival. It’s for when you’re leaving! The 24-Hour Cool-down: You can only use one privilege (Lounge OR Shopping) once every 24 hours. The “First Swipe” Rule: Once you activate a store in the app, the very next transaction on that card at that store is the one that gets the value back. (Don’t make purchase in two parts) CULT TIP Claim a ₹500 Amazon Voucher: Visa x Poshvine are gifting a ₹500 voucher of choice to New Visa Signature users. Since Scapia issues Visa Signature cards, you qualify! How: Complete one transaction of ₹300+ (Online or Offline). Claim: Once the transaction is 5 days old, claim your voucher at visarewards.poshvine.com. Offer valid while stocks last — Apply for Scapia and grab yours ASAP! Cult Conclusion: Still the Best Travel Card? Even with the increased spend criteria, Scapia remains a rare find in the Indian credit card market. No other credit card treats the airport like a “Free Shopping Mall” and that too while being Lifetime Free. While the “Lounge Drama” at Delhi T1 taught me to always have a backup card in my

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BOB Eterna Credit Card Review: FITPASS Pro & Unlimited Lounge (Now LTF)

BOB Eterna Credit Card Review: FITPASS Pro & Unlimited Lounge (Now LTF)

BOB Eterna Credit Card Review: LTF Offer, FITPASS Pro & Unlimited Lounge ✕ 🎁 Get ₹500 Voucher Applying for Scapia Card? Apply now and Claim an Extra Amazon Voucher worth ₹500. Claim → Bank of Baroda Eterna Credit Card Apply Now! Card Fees: ₹2,499 + GST (LTF Currently) Benefits: Unlimited Lounge, FITPASS Pro Best For: Frequent Flyers & Forex Spenders Reward Type: Reward Points (25% Value) Rating: Finding a premium credit card without heavy joining and annual fees is rare. However, the Bank of Baroda (BOB) Eterna Credit Card has emerged as an exception in 2026, especially with the current Lifetime Free (LTF) offer. Whether you are a fitness enthusiast eyeing that Annual FITPASS Pro Membership or a frequent flyer craving Unlimited Domestic Lounge Access, this BOB Eterna Credit Card Review covers everything you need to know. Let’s get started! Table of Content Fees & Eligibility Key Features and benefits Understanding Reward Points FITPASS Pro with BOB Eterna Cult Tips & Tricks to Maximize Your BOB Eterna BOB Eterna Alternatives/Competitors Cult Conclusion Extras: Frequently Asked Questions (FAQs) Fees & Eligibility Key Features and benefits Understanding Reward Points FITPASS Pro with BOB Eterna Cult Tips & Tricks to Maximize Your BOB Eterna BOB Eterna Alternatives/Competitors Cult Conclusion Extras: Frequently Asked Questions (FAQs) BOB Eterna Credit Card: Fees & Eligibility Currently, BOB Eterna Credit Card is offered as Lifetime Free Card (LTF) to new credit cards users of Bank of Baroda (Until 30th June, 2026). Joining Fees: ₹2,499 + GST (waived off on spending ₹25,000 or more within first 60 days) Annual Fees: ₹2,499 + GST (waived off on annual spends of ₹2,50,000 or more) BOB Eterna Credit Card Eligibility To qualify for the Bank of Baroda Eterna Credit Card, you generally need to meet these criteria: Income: Minimum annual income of ₹12 Lakhs (Salaried or Self-Employed). Age: 21–65 years. Credit Score: A score of 750+ is highly recommended for instant approval. Note: Existing BOB Financial Credit Card users may not be eligible for the BOB Eterna Credit Card. They can apply for Scapia Credit Card (Federal Variant) for Unlimited Lounge or Unlimited Food/Shopping/Spa at Domestic Airport. BOB Eterna: Key Features & Benefits The Bank of Baroda Eterna Credit Card isn’t just premium credit card; it’s a great lifestyle upgrade. In 2026, it remains one of the most competitive cards in the “Premium-yet-Free” category. Here is a breakdown of the core benefits that make it a top contender: 1. High-Value Reward System (3.75% Value Back) The standout feature of this card is the accelerated rewards program. You earn 15 Reward Points for every ₹100 spent on: Travel: Flights, hotels, and holiday bookings. Dining: Perfect for foodies and weekend outings. Online Spends: Covers most of your e-commerce shopping. International Spends: Making it a solid travel companion. Note: Since 1 Reward Point = ₹0.25, you are earning a 3.75% value back on these categories, which you can redeem directly as statement credit. Eligible Spends other than the categories mentioned above will yield 0.75% Value back. 2. Milestone Rewards BOB Eterna Benefits are not just limited to their High Value back reward system, it also offers Milestone Rewards to their credit card holders once they have achieved their modest spend criteria: Earn 10,000 Bonus Reward Points on spending ₹50,000 or more within the first 60 days. Additionally, earn 20,000 Reward Points on spending ₹5,00,000/more within a year. 3. Unlimited Domestic Lounge Access While many cards are cutting back on lounge perks, the Bank of Baroda Eterna continues to offer unlimited domestic airport lounge access for both the primary cardholder and add-on members. The 2026 Spend Criteria: You must spend a minimum of ₹40,000 in the current calendar quarter to qualify for Unlimited Domestic Lounge in next quarter. Exclusive Perk: Cardholders get access to the VIP section of the 080 Lounge at Bangalore (BLR) Airport T2. Eligible Lounges and Related Terms: List of Eligible Lounges.  Our Cult Tip: The Spend Criteria for lounge is waived off for the quarter in which the card is issued. Moreover, if your card is issued in the last month of the calendar quarter then the unlimited lounge benefit (without any spend requirement) will be extended to the next quarter as well. 4. Fitness & Entertainment Privileges BOB Eterna is one of the few cards that pays for your gym membership and your weekend movies: FITPASS Pro: Get a complimentary 12-month membership (worth up to ₹48,000) as a welcome gift. This gives you access to thousands of gyms & fitness centers across India and allows 5 sessions per week at any partner fitness center. Movie BOGO: Buy One Get One (BOGO) offer on movie tickets via the District App, capped at ₹250 per month. 5. Travel and Other Benefits Low Forex Markup: Forex mark up of just 2% (+ GST). It’s significantly cheaper to use abroad than standard cards (which charge 3.5%). And don’t forget that on top of that you are getting 3.75% cashback on your Forex spends. Golf Rounds: Enjoy 4 complimentary rounds of green fees and 12 golf lessons per year at premium courses. (Mastercard variant only) Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000 (capped at ₹250/month). FITPASS Pro Sessions: BOB Eterna x FITPASS Pro allows you 5 sessions in a Week (max 1 session per day). Each session gives access to the chosen fitness center for 60 minutes. BOB Eterna Credit Card Reward Points When it comes to BOB Eterna credit card benefits, the reward rates offered are one of the reasons where this card truly shines. It offers a tiered system that favors digital spenders. Category Reward Points (per ₹100) Effective Value Back Travel, Dining, & Online Spends 15 Points (5X) 3.75% International Spends 15 Points (5X) 3.75% All Other Spends 3 Points 0.75% Note:  1 Reward Point = 0.25 INR (25% Value) Reward Points has a monthly limit of 5,000 Reward Points (RPs). Reward Points earned can be redeemed as Statement Credit. Milestone Rewards BOB Eterna Reward points are not just limited to their High Value Reward System. It also

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SBI Cashback Credit Card Review | King of Cashback Cards SBI Cashback Credit Card Referral Code | Get ₹500 Gift Voucher

SBI Cashback Credit Card Review | King of Cashback Cards

5% Cashback Credit Card | SBI Cashback Card SBI Cashback Credit Card Joining/Annual Fees: ₹999 + GST Benefits: 5% Cashback on Online Spends Best for: Online Shoppers Reward Type: Statement Credit Rating: Apply Here Are you looking for a credit card offering decent cashback on your online spends? How about 5% Cashback? Checkout the SBI Cashback Credit Card (often called ‘the King of Cashback Cards’) offering 5% cashback on almost all your online spends? Read our complete and detailed post on SBI Cashback Card, so that, you are applying for it without expecting more than what you will be getting. Lets dive in! SBI Cashback Card Recent Cashback Limit Devaluation (w.e.f. 1st April, 2026) SBI Cashback Credit Card’s Cashback Limit has been decreased from ₹5,000 per month cashback limit to ₹2,000/month cashback limit w.e.f. 1st April, 2026. Table of Contents SBI Cashback Credit Card: Fees & Eligibility? Key Features & Benefits SBI Cashback Card’s Simple Rewards Structure How to Apply for the Card? Is SBI Cashback Credit Card worth ₹999? Cult Conclusion: Final Verdict FAQs SBI Cashback Credit Card: Fees & Eligibility? Key Features & Benefits SBI Cashback Card’s Simple Rewards Structure How to Apply for the Card? Is SBI Cashback Credit Card worth ₹999? Cult Conclusion: Final Verdict FAQs SBI Cashback Credit Card: Fees & Eligibility Joining Fees: ₹999 + GST (18%) Annual Fees: ₹999 + GST (18%) Annual Fee Waiver: Annual Fee is waived off (credited back to statement) on annual spends of ₹2,00,000 or more in the previous year. Eligibility Requirements Age: 21 to 70 years. Employment: Salaried or Self-Employed. Income: 30,000 and above. Credit Score: Generally 750 or higher. Citizenship: Indian resident. Key Features & Benefits 5% Cashback: Spend Online and earn flat 5% cashback up to ₹2,000/month on all your eligible spends without any merchant restrictions. 1% Cashback: Spend anywhere offline and earn flat 1% cashback up to ₹2,000/month  on all your eligible spends. ₹2,000 Cashback: You can earn a maximum of ₹2,000 cashback per month on Online and Offline transactions. (Reduced from ₹5,000 to ₹2,000/month w.e.f. 1st April, 2026) Visa Signature Privileges: Enjoy exclusive travel and lifestyle benefits with enhanced security and global acceptance. Joining/Annual Fees: It has a joining and annual fee of ₹999 (plus GST), waived off on annual spends of ₹2,00,000 or more. SBI Cashback Card’s Simple Reward Structure Unlike most credit cards filled with confusing reward points, tiers, and redemption headaches, this card keeps it brutally simple: 5% Cashback Straight 5% Cashback on Online Spends. No Merchant Restrictions and Calculations. 1% Cashback Flat 1% Cashback on all your Offline Spends. Statement Credit Cashback goes straight into the statement. No reward points or redemption headache. That simplicity is its biggest strength—and also its biggest marketing hook. In fact, this flat 5% structure applies across major platforms like Amazon, Flipkart, Swiggy, etc., without merchant restrictions. How to Apply for the Card? Applying for the SBI Cashback Credit Card is surprisingly quick and fully online. Here’s how it works: Step-by-Step Process Visit the official SBI Card website: Go to the credit cards section and select the Cashback SBI Card or just click here to get redirected to Application Page. Click on “Apply Now”: Enter your mobile number and click on apply now. This will start the online application . Fill in your details like: PAN card details Mobile number Income & employment details Complete KYC verification Aadhaar OTP / DigiLocker Or upload documents (PAN, address proof, income proof) Submit the application and you’ll get an instant decision in most of the cases based on your profile. Verification & approval: SBI may: Call you for confirmation Ask for additional documents or Do a Physical Visit for Verifitcation Card delivery within 7–10 working days, once approved. Is SBI Cashback Credit Card Worth ₹999? What Makes This Card So Popular? 1. Straightforward Cashback (No Brain Usage Required) Where most cards force you to Track reward points, Convert and Use partner portals to redeem it. This one makes the process simple: Spend → Cashback → Done. That’s why even beginners love it. 2. Best-in-Class for Online Shopping A flat 5% cashback across online merchants/platforms is rare in India. Many cards give 5% but on specific brands. But SBI Cashback Card gives 5% cashback almost everywhere online. 3. Automatic Cashback Credit No redemption, no expiry stress. Cashback is credited directly to your statement within days. The Not-So-Good Parts Let’s get honest. The SBI Cashback Card is good but this card is also not a perfect card. 1. The Cashback is not Truly “Unlimited” Monthly cap of ₹2,000 exists (₹5,000 earlier, reduced in April’26 updates) After 2,000 cap → 0 rewards Heavy spenders may feel restricted. 2. No Premium Benefits No Airport lounge access No milestone rewards No welcome bonus 3. Recent Devaluation (2026) Hurts Cashback cap was reduced (5,000 to 2,000) Eigible categories were reduced (digital gaming platforms (MCC 7993, 7994, 5816), toll payments (MCC 4784), and government-related transactions (MCC 9222, 9311, 9402)) 4. Real Users Frustrations (Reddit) “MCC problems… sometimes no cashback due to wrong category tagging.” “Not useful during big sale offers… doesn’t get instant discounts (or if applied then the cashback gets forfeited later.” “Mostly low credit limit is offered and annual fee feels high.” Credit Cult Tip: You can try contacting SBI Card Customer Care (before paying its annual fee) to waive the fee and they might honor it. You may also request them to make the card LTF. Cult Conclusion: Final Verdict The SBI Cashback Credit Card is like a “Maruti Suzuki of credit cards”: Reliable & Efficient  But no luxury It used to be an unbeatable card, but after 2026 changes, it’s now “Very good” instead of “must-have.” Final Verdict: Still Worth It? No, if you expect: Lounge & Milestone benefits Unlimited rewards Yes, if you want a simple and reliable 5% cashback card for online spending Apply Here Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t

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Free Kiwi Neon Membership

How to Get Free Kiwi Neon Membership? Is it Worth ₹999?

Trick to Get Free Kiwi Neon Membership Kiwi Credit Card Joining/Annual Fees: Zero or Lifetime Free Benefits: 5% Cashback* on UPI Best for: Heavy UPI Spenders Reward Type: Kiwi Points (25% Value back) Rating: Apply Here If you’re considering the Kiwi Credit Card for UPI payments, you might have also heard about the Kiwi Neon Membership which costs ₹999 + GST per year. Many users often wonder: What is Kiwi Neon Membership and its benefits? Is Kiwi Neon Membership worth ₹999 + GST? Can you get Kiwi Neon Membership for free? In this detailed guide, we will answer all these questions and explain how to maximize cashback using the Kiwi card. Let’s dive in. Table of Contents What is the Kiwi Neon Membership? Kiwi Neon Membership Features & Benefits Is Kiwi Neon Membership worth ₹999? How to get free Kiwi Neon Membership? Everything You should know about Kiwi Card Cult Conclusion: Final Verdict FAQs What is the Kiwi Neon Membership? Kiwi Neon Membership Features & Benefits Is Kiwi Neon Membership worth ₹999? How to get free Kiwi Neon Membership? Everything You should know about Kiwi Card Cult Conclusion: Final Verdict FAQs What is the Kiwi Neon Membership? Although Kiwi Credit Cards are lifetime free, Kiwi also offers an optional paid premium subscription called Kiwi Neon Membership. Earlier, this membership was complimentary for users joining through invite codes during early launch promotions. However, that offer has now ended. Currently, the Kiwi Neon Membership costs ₹999 per year (excluding GST) and unlocks additional benefits like higher cashback and milestone rewards. Neon Membership Features & Benefits 1. Additional Cashback on Kiwi UPI Transactions Neon membership increases the cashback potential of Kiwi card. Users get: 2% base cashback on merchant Scan & Pay UPI transactions 0.5% cashback on online UPI payments Rewards up to ₹100/month on savings account transactions Note: Cashback usually applies only to merchant QR transactions. 2. Milestone Rewards on Annual Spends Kiwi Neon members also unlock milestone benefits based on yearly spending. Annual Spends Cashback Additional Benefit ₹50,000 3% 1 Lounge Access ₹1,00,000 4% 1 Lounge Access ₹1,50,000 5% 1 Lounge Access Important: Milestone cashback is calculated as: Milestone Cashback = Eligible Spends × Milestone % – Cashback already received Eligible spends = Total Kiwi spends – excluded categories – refunds. Is Kiwi Neon Membership worth ₹999 + GST? Now we know what benefits Kiwi Neon Membership offers. Now, the question is whether Kiwi Neon Membership worth paying ₹1,179 (including GST) or not.  The answer depends upon your annual scan & pay spends (on merchant UPI).  Generally, if you can spend ₹1,00,000 or more through scan & pay (on merchant UPI) then it is beneficial for you to subscribe for the Kiwi Neon Membership as you will unlock effective 4% Cashback. Example Calculation: Cashback with and without Kiwi Neon Membership: With Kiwi Neon: Cashback = ₹2,811 [1,00,000 x 4% – 1,179 (Neon Fees) ] + 2 Lounge Access Without Kiwi Neon: Cashback = ₹1,500 [1,00,000 x 1.5%] If you want to get exact verdict, whether you should subscribe for Kiwi Neon Membership or not, then checkout our Credit Cult – MaxSaverr Tool to find out the exact cashback calculation. How to Get Free Kiwi Neon Membership? Although the membership costs ₹999 + GST, there is a way to recover the membership cost and get free Kiwi Neon Membership. If you apply for the Kiwi Credit Card through our cashback link, we provide a ₹999 Amazon Pay Voucher after successful signup. This means the membership cost is effectively recovered and you only pay the GST portion (₹180). How to signup for Kiwi Neon Credit Card and Get ₹999 Cashback? Apply for the Kiwi Credit Card using our Cashback Link Enter your WhatsApp number for application tracking Verify OTP and complete the signup process After successful application, you will receive ₹999 Amazon Pay Voucher within 75 days Everything You Should Know About Kiwi Card Before applying, you should understand these key details. Cashback Rates 1.5% cashback without Neon Membership 2–5% cashback with Neon Membership Base Cashback Always Remains 2% Even after crossing milestones, the base cashback remains 2%. Example: If you spend ₹75,800 First ₹50,000 → 3% cashback (1st Milestone) Remaining ₹25,800 → 2% cashback 2% Cashback After ₹1.5L Spends If yearly spending exceeds ₹1,50,000 First ₹1,50,000 → 5% cashback Remaining spends → 2% cashback Monthly Cashback Limit Cashback is typically capped at 1% of your credit limit per month. Example:  Credit Limit = ₹77,000 2% Cashback up to ₹770/month Airport Lounge Validity Once unlocked: Valid for 6 months Only cardholder entry allowed Cult Conclusion: Final Verdict The Kiwi Klick Credit Card is one of the most rewarding cards for UPI payments in India. However, its full potential is unlocked only with the Kiwi Neon Membership, which increases cashback rates up to 5%. If your annual UPI spending is ₹1 lakh or more, the membership can easily recover its cost and provide additional benefits like airport lounge access. 👉 Apply for Kiwi Credit Card & Get ₹999 Cashback Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results. Considering to apply for a zero-forex card, checkout our detailed blog on Federal Scapia Credit Card and discover everything you should know before applying for it. Frequently Asked Questions (FAQs) Does Kiwi Offer Airport Lounge Access? Yes, with the Kiwi Neon Membership (₹999 + GST annually) users can get up to three complimentary Domestic Airport Lounge Access visits within a year. Each access is awarded on spends of ₹50,000, ₹1,00,000 and ₹1,50,000. Do we get Complimentary Kiwi Neon Membership on signing up with referral code? No, Kiwi Neon Membership is not free anymore. Initially, it was offered for free to new users signing up with a referral code but now it

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SBI Pulse Credit Card Review | Free FITPASS & Noise Smartwatch

SBI Pulse Credit Card Review | Free FITPASS & Noise Smartwatch

SBI Pulse Credit Card Personal Review SBI Pulse Credit Card Annual Fees: ₹1,499 + GST Benefits: Fitpass + Smartwatch Best for: Fitness Freaks Reward Type: Reward Points (25% Value) Rating: Apply Here Is there any credit card offering Free Gym Membership? Trying to find a credit card offering complimentary access to gym? SBI’s Pulse Credit Card is one of the best options offering Annual FITPASS PRO Membership and a Noise ColorFit Pulse 4 Pro Smartwatch as a welcome gift. Checkout our detailed personal review blog to explore all the features & benefits of SBI Pulse Credit Card any my personal tips? Let’s get started. Table of Contents SBI Pulse Card: Fees & Eligibility Key Features & Benefits How to Apply? SBI Pulse Card: Welcome Benefits Explained? How Does FITPASS PRO Works? Final Verdict: Is SBI Pulse Card Worth Applying? SBI Pulse FAQs SBI Pulse Card: Fees & Eligibility Key Features & Benefits How to Apply? SBI Pulse Card: Welcome Benefits Explained? How Does FITPASS PRO Works? Final Verdict: Is SBI Pulse Card Worth Applying? SBI Pulse FAQs SBI Pulse Credit Card: Fees & Eligibility Joining Fees: ₹1,499 + GST (18%) Annual Fees: ₹1,499 + GST (18%) Annual Fee Waiver: Annual Fee is waived off (credited back) on annual spends of ₹2,00,000 or more in the previous year. SBI Pulse Credit Card Eligibility Requirements Age over 21 and CIBIL over 700 Salaried or Self Employed Annual Income > ₹2,00,000 Key Features and Benefits Welcome Benefit: A Noise ColorFit Pulse 4 Pro Smart Watch (worth ₹7,999) is offered as a welcome gift to SBI Pulse Credit Card Holders. Annual Benefits: Cardholders also get 1 year complimentary FITPASS PRO and Netmeds First membership, to be received every year, on card renewal. Milestone Benefit: Get an e-voucher worth ₹1,500 on achieving annual retail spends of ₹4 Lakhs. Rewards Points: Enjoy 10 Reward Points per ₹100 spent on Chemist, Pharmacy, Sports, Dining & Movies Earn 2 Reward Points per ₹100 spent on all your other spends Lounge Access: Offers 1 domestic airport lounge access per quarter with no spend criteria. Priority Pass: Offers a complimentary Priority Pass Membership worth US $99 (for International Lounge) for the first two years of cardholder membership, restricted to the primary cardholder. Joining Fee: It has a joining fee of ₹1,499. Annual Fees: It has an annual fee of ₹1,499, waived off on annual spends of ₹2,00,000/more. Suggestion: Apply for any SBI card through a SBI Card Invite Link to get an additional Gift Voucher worth ₹500, over and above other welcome benefits, from SBI. SBI Card Referral Code: 2yuDiroydc7 How to Apply? Applying for the SBI Pulse Credit Card is an easy and seamless digital process: Visit SBI Card: Visit their website and search for the SBI Pulse Credit Card (Under Lifestyle Tab). Click on Apply Now and you will be redirected to SBI | Sprint Website. Provide your Details: The website will ask your Personal, Professional and KYC Details. Eligibility Check: Once the details are provided, SBI will run an eligibility check and will show a tentative credit limit, if approved. Complete Application: Follow the on-screen instructions (like PAN & Aadhar Validation, Personal & Occupation Details, Selfie Verification) and then complete the process with Video KYC verification. Physical Verification: SBI Representative will visit your office/home, as per employment, to verify details and address. Virtual Card Details: Once verification is done, SBI will start the dispatch process, and in the meanwhile, bank will issue a virtual card which can be used for online shopping. Card Delivery: Within 2-3 days, you will receive your credit card delivered at your communication address. Then generate pin and start using it for offline shopping. SBI Pulse Card: Welcome Benefits Explained My primary reason for SBI Pulse Credit Card’s USP can be the welcome benefits/vouchers it offers: Noise ColorFit Pulse 4 Pro Smart Watch, Annual FITPASS PRO Membership and Netmeds First Membership. Here is a quick detail about each. Noise ColorFit Pulse 4 Pro Smart Watch This Smart Watch Variant is worth ₹7,999 (available at around ₹2,999 on e-commerce websites). SBI sends a Voucher Code (instead of the watch) which can be used to get the same watch at zero cost through Noise Website. Smart Watch Voucher Code is sent within 21 days of paying the joining fee. FITPASS PRO Annual Membership FITPASS PRO’s Annual Membership is worth more than ₹10,000. FITPASS Voucher Code is also sent within 21 days of the joining fee payment. Netmeds First Annual Membership Netmeds First Annual Membership is worth ₹499. Netmeds Membership Voucher is also sent within 21 days of the joining fee payment. I didn’t even consider it while applying for it. How does FITPASS Pro Membership Work? Getting a complimentary FITPASS Pro Membership with a Credit Card might fascinate you and make you think that its a normal partnered gym membership program allowing you to access gym any day and any time you want, but, it is not like that. Here are some crucial details about the FITPASS Pro Membership that you should know. How to redeem the FITPASS PRO Voucher Code? Download the App: Download the FITPASS app from the Google Play Store or App Store. Register: Create an account using your mobile number. Navigate to Subscription: Go to the PRO membership section and select the plan. Enter Code: Input the voucher code in the “Coupon Code” or “Promo Code” field. Activate: Click “Apply” or “Join Now” to activate your annual membership. This Complimentary FITPASS Pro Membership offers you to access: any gym/fitness center that has partnered with FITPASS, any gym/fitness center for 12 times in a month, 3 times in a week and once in a day, any gym/fitness center for 60 minutes per session, personalized diet plans from nutritionist and AI powered online coaching on the FITPASS App. Insider’s Tip : As per the terms, Smart watch, FITPASS and Netmeds Voucher Codes are sent within 21 days of joining fee payment. Advice here is that you can call SBI Card Customer Care after paying the joining fees and request them for the Vouchers and they might honor it like they did

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5 Best Credit Cards to Buy Gold Online | Maximize Cashbacks

5 Best Credit Cards to Buy Gold Online | Maximize Cashbacks

5 Best Credit Cards to buy Gold Online ✕ 🎁 Get ₹500 Voucher Applying for Scapia Card? Scapia offers 2% Cashback on Jewelry. Apply now and Claim an Extra Amazon Voucher worth ₹500. Claim → Buying jewelry is one of the most preferred investment option as well as the most significant expenses for Indian households, especially during wedding or festive seasons. While most banks are tightening their belts and excluding “Gold & Jewelry” from their rewards programs, there are still some “hidden gems” that can save you thousands. Presenting you the 5 Best Credit Cards to Buy Gold Online (). Before we move forward, if you are interested in Gold and Other Good Deals then checkout our WhatsApp Channel: Good Deals Only  and follow if you like. Let’s continue with the blog. Disclaimer: This blog may include partnered links, but this does not affect our rankings or reviews. Our goal is to provide unbiased information to help you make an informed decision. 5 Best Credit Cards to Buy Gold Online In this blog, we’ve reviewed 5 best credit cards to buy gold online and maximize your savings. Based on our analysis of its value back and cost-benefits analysis, here’s our detailed recommendation: 1. SBI Cashback Credit Card: The King Apply Now Joining & Annual Fees: ₹999 + GST Payment Offer: 5% Cashback up to ₹2,000 per month on Online Spends 5% Cashback on direct purchases from AJIO for Gold (as of now AJIO doesn’t send different MCC for Gold/Silver) The Hack: Buy gift vouchers for platforms like Tanishq, Kalyan, or Amazon from platforms like CRED App. You get upfront discount plus 5% Cashback on the voucher purchase (online spend), which you then use to buy gold. Fees & Eligibility Joining Fees: ₹999 + 18% GST Annual Fees: ₹999 + 18% GST Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: ₹30,000 Credit Score: Preferable 750+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants More Details Flat 5% cashback on all online spends, without any merchant restrictions. 1% cashback on all offline transactions. Cashback is auto-credited to your card statement, so there is no hassle of point conversion. Annual fee of ₹999 is waived off on spends of Rs. 2 lakh or more in the previous year. Excluded Categories: Fuel, Insurance, Utility payments, Jewelry, Rent payments, Wallet loads, School/Education fees, and Railway bookings, etc. No Complimentary Lounges (Airport/Railway Lounge) Offered. Cashback Limit Update: W.e.f. 1st April, 2026 the 5% cashback limit is reduced from ₹5,000 (earlier) to ₹2,000 per month. Some Related Tricks and Deals for Gold Purchase shared in Our WhatsApp Channel. Joining Fees: ₹999 + 18% GST Annual Fees: ₹999 + 18% GST Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: ₹30,000 Credit Score: Preferable 750+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants Flat 5% cashback on all online spends, without any merchant restrictions. 1% cashback on all offline transactions. Cashback is auto-credited to your card statement, so there is no hassle of point conversion. Annual fee of ₹999 is waived off on spends of Rs. 2 lakh or more in the previous year. Excluded Categories: Fuel, Insurance, Utility payments, Jewelry, Rent payments, Wallet loads, School/Education fees, and Railway bookings, etc. No Complimentary Lounges (Airport/Railway Lounge) Offered. Cashback Limit Update: W.e.f. 1st April, 2026 the 5% cashback limit is reduced from ₹5,000 (earlier) to ₹2,000 per month. Some Related Tricks and Deals for Gold Purchase shared in Our WhatsApp Channel. 2. Axis Flipkart Credit Card: 7.5% Cashback Apply Now Joining & Annual Fees: ₹500 + GST (or may offered as First Year Free) Offers: 5% Cashback on Flipkart and 7.5% Cashback on Myntra (up to ₹4,000/quarter) The Hack: With the Flipkart Credit Card, you can claim 7.5% Cashback on Gold Purchase from Myntra (during BLINKDEALs) using the trick shared here in our WhatsApp Channel. Fees & Eligibility Joining Fees: ₹500 + GST (or First Year Free) Annual Fees: ₹500 + 18% GST (Waived off on spends of ₹3,50,000 or more in previous year) General Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed Salaried Income: ₹15,000/monthly Self Employed: ₹30,000/month Credit Score: 730+ New-to-Credit: Not Allowed More Details 7.5% cashback up to ₹4,000/quarter on Myntra Spends 5% cashback up to ₹4,000/quarter on Flipkart Spends (except Flipkart health) 5% cashback up to ₹4,000/quarter on Cleartrip Spends 4% Unlimited Cashback on Swiggy, PVR, Uber, and Cult.fit 1% Unlimited Cashback on other eligible spends Welcome Benefit: Up to ₹1250 Gift Vouchers (minimum ₹250) depending upon current promotional offers. No Airport/Railway Lounge Access Excluded Categories: Rent, Utilities, Fuel, Insurance, EMI, Jewelry, Govt spends, Wallet loads & similar spends Joining Fees: ₹500 + GST (or First Year Free) Annual Fees: ₹500 + 18% GST (Waived off on spends of ₹3,50,000 or more in previous year) General Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed Salaried Income: ₹15,000/monthly Self Employed: ₹30,000/month Credit Score: 730+ New-to-Credit: Not Allowed 7.5% cashback up to ₹4,000/quarter on Myntra Spends 5% cashback up to ₹4,000/quarter on Flipkart Spends (except Flipkart health) 5% cashback up to ₹4,000/quarter on Cleartrip Spends 4% Unlimited Cashback on Swiggy, PVR, Uber, and Cult.fit 1% Unlimited Cashback on other eligible spends Welcome Benefit: Up to ₹1250 Gift Vouchers (minimum ₹250) depending upon current promotional offers. No Airport/Railway Lounge Access Excluded Categories: Rent, Utilities, Fuel, Insurance, EMI, Jewelry, Govt spends, Wallet loads & similar spends 3. Tata Neu Infinity Credit Card Apply Now Joining & Annual Fees: ₹1,499 + GST or (maybe offered as Lifetime Free Card) Offers: 5% NeuCoins on Big Basket, Tata Cliq, Tanishq and more. The Hack: Buy Gold Online through Big Basket, Tata Cliq or Tanishq (Online/Offline) and get 5% cashback as NeuCoins (OR) Buy vouchers through Tata Neu’s Gift Card section and earn 5% or more NeuCoins as cashback with Tata Neu Infinity Credit Card. Fees & Eligibility Joining Fees: First Year Free Annual Fees: ₹1,499 + 18% GST (or LTF) Eligibility: Required

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