Base reward rate: Up to 7% cashback on online spends, 0.75% on offline & travel, 0.5% on utility.
Redemption options: value
Redemption value: 1 Pt = ₹0.20
Fees & Charges
Joining fee: 1000
Annual fee: 1000
Pros
Offers a high accelerated cashback of 5% on monthly online spends between ₹5,001 and ₹40,000, and 7% on spends above ₹40,000.
The welcome bonus of 5,000 EDGE reward points, valued at ₹1,000, is triggered by the first spend within 30 days, effectively negating the joining fee.
Provides a 25% dining discount via EazyDiner, with a generous cap of up to ₹800 per month on a minimum bill of ₹2,500.
Includes 0.5% cashback on utility bill payments, a spending category that is frequently excluded from reward programs on other cards.
The annual fee of ₹1,000 is waived on achieving a spend of ₹4.0L, which is an achievable target for primary users.
Cons
Completely lacks complimentary airport lounge access, a standard and highly expected benefit for cards with an annual fee of ₹1,000.
The base reward rate for all offline and travel spends is a very low 0.75%, significantly below the 1-1.5% typically offered by competing cards in this segment.
The online cashback is governed by a complex tiered structure with multiple spend thresholds and monthly caps (e.g., ₹1,750 cap for the 5% tier), making it difficult to optimize rewards.
Carries an exceptionally high interest rate of 4.63% per month (55.55% p.a.), making it very expensive for customers who may revolve their balance.
Excludes several common and high-volume spending categories like wallet loads, rent, and fuel purchases from earning any cashback.
Best Use Case
Consumers with significant online spending looking for tiered cashback and dining discounts.