Base reward rate: 1% cashback on UPI spends at select categories (capped at ₹100/cycle)
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
1% cashback on UPI spends across select categories
1% fuel surcharge waiver
Interest free period of up to 48 days
Nil Joining Fee
Nil Annual Fee
Complimentary lounge access with no minimum spend requirement
Cons
The 1% UPI cashback is severely limited by a low cap of just ₹100 per statement cycle, making it ineffective after ₹10,000 of eligible spends.
The card offers no base reward rate on non-promotional categories or standard credit card transactions (POS/online), yielding zero value on a significant portion of spending.
Entertainment benefits for Netflix and Spotify are not complimentary; they are paid offers requiring a fee (₹99 and ₹299 respectively) after meeting minimum spend criteria.
Carries a high interest rate of 3.75% per month (45.00% p.a.), making it very costly to carry a balance.
Domestic airport lounge access is not complimentary and requires a payment of ₹199 for one visit or ₹299 for two visits per quarter.
Best Use Case
Individuals seeking a no-annual-fee card for everyday UPI transactions with cashback on essential spending categories.