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Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Reward Rate
Unlimited cashback; 1% online, 0.5% offline; higher on select categories
Lounge Access
None
Forex Markup
3.5%
Fuel Waiver
1%
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Key Features & Benefits
  • 1% unlimited cashback on online spends
  • 0.5% cashback on all offline/other spends
  • Quarterly Swiggy vouchers on ₹20,000 spend
  • Annual fee waiver on ₹50,000 spend
  • 1% fuel surcharge waiver
  • Contactless payments enabled
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Welcome & Joining Benefits
  • ₹200 Amazon Pay voucher on first ₹3,000 spend
Milestone Benefits
  • ₹20,000 quarterly spend → Swiggy vouchers
  • ₹50,000 annual spend → fee waived
Pros & Cons

✓ Advantages

  • Simple unlimited cashback — no category complexity
  • Fee waived at very low ₹50,000 spend
  • Swiggy vouchers add practical value

✗ Disadvantages

  • 0.5–1% cashback rate is modest
  • No lounge
  • 3.5% forex
Frequently Asked Questions
Is AmpliFi better than Federal Classic?
AmpliFi gives cashback (0.5–1%) vs Classic's reward points. Cashback is simpler but rates are similar. AmpliFi has a lower fee waiver threshold (₹50K vs ₹1L for Classic) making it easier to maintain free.
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