Base reward rate: Earn 1-2 Reward Points per ₹100 on most spends, plus 1.5% cashback on POS retail.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 499
Annual fee: 499
Pros
Welcome Benefits
Milestone Benefit
Railway Lounge Access
Fuel Surcharge Waiver
Card Liability Cover
Complimentary lounge access with no minimum spend requirement
Cons
Very low base reward rate: The standard earn rate of 1 Reward Point per ₹100, which applies to categories like utilities, offers a poor value back of approximately 0.25%.
Uncompetitive accelerated online rewards: The 2x Reward Points on online spends translates to a value of only ~0.5%, which is significantly lower than what many competing cards offer for online shopping.
Reward redemption fee: A fee is applicable when redeeming earned reward points, which reduces the net value gained from the rewards program.
Best Use Case
Consumers looking for a well-rounded entry-to-mid-tier card with rewards on online and retail spends, plus lounge access.