Base reward rate: Earn 3 points per ₹100 on general spends, with accelerated rewards of 5% on dining and 2.5% on grocery and utility bills.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.20
Fees & Charges
Joining fee: 199
Annual fee: 0
Pros
Fee waiver on spends
Decent benefits on premium variants
Earns rewards on utility bill payments (2.5% rate)
Complimentary lounge access with no minimum spend requirement
Complimentary guest lounge access included
Cons
Domestic airport lounge access is highly conditional, requiring a minimum spend of ₹20,000 in the previous calendar quarter to unlock the 2 complimentary visits, making it an unreliable benefit.
The advertised 2.5% reward on utility bills is severely undermined by the exclusion of BBPS transactions, the platform used by most major apps (like PayTM, PhonePe) for bill payments.
Carries a high foreign exchange markup fee of 3.49%, making the card expensive for any international transactions.
The 1% fuel surcharge waiver is capped at a low maximum of ₹150 per statement cycle, limiting the total benefit on monthly fuel spends over ₹15,000.
Best Use Case
Individuals seeking a low-fee credit card with accelerated rewards on everyday spending like dining, groceries, and utility bills, along with complimentary lounge access.