Steady rewards on everyday purchases
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Base earn rate
1 pts per ₹100
Salaried: min ₹25,000/month. Self-employed with ITR. Age 21–60. CIBIL 750+.
Remaining 65% of spend earns the 0.25% base rate.
Rewards / year
₹6,225
≈ 1.04% effective
Annual fee
₹0
no published waiver
Net steady-state return
+₹6,225/year
Strong fit at this spend
At ₹50,000/month, rewards outrun the fee by ₹6,225 a year.
One-time welcome benefit: ~₹500 — ₹500 worth vouchers on spending ₹15,000 within 90 days (conditional spend threshold).
Based on published rates as of 2026-08-07; assumes 1 Reward Point = ₹0.25 as stated in the FIRST Select Product Guide; redeemable via FIRST Rewards Gallery (handling fee ₹99 + GST per redemption); points never expire (valid 24 months per SOC).. Rewards estimates, not guarantees.
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