Base reward rate: 1% base cashback, up to 5% on Smartbuy and chosen customizable categories (e.g., Dining, Streaming), and 3% on a selected e-commerce platform.
Redemption options: PayZapp Cash
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 500
Annual fee: 500
Pros
Customizable card features
5% cashback on popular everyday brands
UPI linked credit card benefits on RuPay variant
Decent base cashback rate without any capping
Diverse redemption option via PayZapp app
Complimentary lounge access with no minimum spend requirement
Cons
Brand benefits could be restrictive for some customers
Understanding the card’s customization could be complex for some users
Redemption circled around PayZapp app
No lounge access benefits
Capping on cashback earning
Best Use Case
Consumers seeking customizable cashback on everyday spending, especially those who frequently use UPI and popular online platforms.