Verified 6 Aug
Krunal Halpati
Asked 11 May 2026
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
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A Mastercard premium tier card.
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A Mastercard basic card.
Looking for a zero-annual-fee credit card that gives solid value on Amazon purchases. My spends are around ₹25,000/month.
