Base reward rate: 1% cashback on other retail spends, 2% on groceries, departmental stores & utilities.
Redemption options: cashback
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 199
Annual fee: 199
Pros
Offers an accelerated 2% cashback on high-frequency categories like groceries, departmental stores, and utility bill payments.
Provides 8 complimentary railway lounge visits annually (2 per quarter), a rare and valuable perk for a card with a ₹199 fee.
Features an extremely low annual fee of ₹199, which is waived on a very achievable annual spend of just ₹40,000.
Includes unique benefits like a complimentary device protection plan and extended warranty, which are not standard for entry-level cards.
Rewards consistent usage with an additional ₹50 cashback for achieving a minimum retail spend of ₹10,000 in a statement cycle.
Complimentary lounge access with no minimum spend requirement
Cons
The base 1% cashback on general retail spending is severely limited by a low cap of ₹50 per month, making it unrewarding after the first ₹5,000 of spending.
The card offers no complimentary airport lounge access, limiting its utility for frequent air travelers.
The milestone benefit is of low value, providing a maximum of only ₹50 extra cashback per month.
A high foreign currency markup of 3.49% makes the card expensive for international transactions.
Best Use Case
Consumers seeking an entry-level card with good cashback on daily essentials and railway lounge access.