Base reward rate: Earn 2 CashPoints per ₹150 on general spends, accelerated to 6 CashPoints per ₹150 on business digital spends, bill payments, tax payments, and travel via SmartBuy BizDeals.
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 500
Annual fee: 2500
Pros
Excellent lounge access with up to 16 domestic and 6 international visits (via Priority Pass) annually, which is significantly above average for its ₹2,500 fee segment.
Strong accelerated rewards of 6 CashPoints per ₹150 (approx. 1% return) on key business categories including digital advertising, software, cloud hosting, and even tax payments.
Valuable milestone benefit of a ₹2,000 gift voucher from MakeMyTrip or Reliance Digital on achieving quarterly spends of ₹2.5 Lakh.
Generous welcome bonus worth ₹2,000 (Amazon voucher or Prime membership), which is 4x the joining fee of ₹500.
Offers 800 bonus CashPoints on achieving monthly spends of ₹50,000, providing an additional reward layer for consistent usage.
Achievable annual fee waiver on spending ₹4 Lakh, making the card potentially free for high-spending businesses.
Complimentary lounge access with no minimum spend requirement
Cons
The base reward rate is very low at just 2 CashPoints per ₹150 (approx. 0.33% return) on non-accelerated spending categories.
Key business spending categories like rent, wallet loads, and EMI transactions are completely excluded from earning any reward points.
Annual fee of ₹2,500 requires ₹25,000+ annual spend to justify
The maximum fuel surcharge waiver is capped at only ₹250 per statement cycle, which is low for a business-focused card that may have significant fuel expenses.
Best Use Case
Business owners and self-employed professionals seeking accelerated rewards on digital business expenses, bill payments, tax payments, and travel, along with extensive lounge access.