Base reward rate: 1 reward point on every ₹100 spent, 5x on dining, online, utility, and movies
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 750
Annual fee: 750
Pros
5X rewards on online shopping, dining and utility bill payments
Bonus reward points on conducting 5 transactions above Rs.1,000
Annual fee waiver on spending Rs.70,000 in a year
Fuel surcharge waiver
Free add-on cards
Complimentary lounge access with no minimum spend requirement
Cons
The value of the 5X rewards is severely limited by a low monthly cap of 1,000 reward points on accelerated earnings, which is reached after spending just ₹25,000 in the bonus categories.
Excludes reward points on several key spending categories, most notably 'supermarket' spends, which is a major drawback for daily household expenses.
Carries a high foreign exchange markup fee of 3.50%, making it an expensive option for any international transactions.
The stated minimum income for salaried applicants is ₹3.0L/month (₹36 LPA), which is exceptionally high and completely misaligned with the card's entry-level features and benefits.
Best Use Case
Consumers who frequently spend on online shopping, dining, utility bills, and movies, seeking accelerated reward points.