Base reward rate: 1.5% Cashback on all other card spends, up to 5% on select categories
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 499
Annual fee: 499
Pros
Market-leading 5% cashback on utility bill payments and recharges (DTH, mobile) made via Google Pay, a category typically excluded or given low rewards by other cards.
Excellent flat cashback rate of 1.5% on all other spends, which is significantly higher than the 1% baseline expected from cards in this fee segment.
Strong accelerated cashback of 4% on high-frequency and popular online platforms including Swiggy, Zomato, and Ola.
Highly cost-effective with multiple achievable fee waivers: the ₹499 joining fee is waived on spending ₹10,000 within 45 days, and the ₹499 annual fee is waived on spends over ₹2.0L.
Provides a dining discount of up to 15% at partner restaurants through the EazyDiner program.
Complimentary guest lounge access included
Cons
Complimentary domestic lounge access is conditional, requiring a minimum spend of ₹50,000 in the previous three-month period, making the benefit unreliable for inconsistent or moderate spenders.
The high cashback rates on accelerated categories (5% and 4%) are subject to monthly capping, which limits the total savings potential for users with heavy expenditures in these specific categories.
Key modern expenditure categories are explicitly excluded from earning any cashback, including rent payments, wallet loading, and all EMI transactions.
Carries a very high finance charge of 4.63% per month (55.55% annually), making it an expensive option for customers who may revolve their credit balance.
Best Use Case
Consumers seeking high cashback on daily utility bills, food delivery, and ride-hailing, with a solid base earn rate.