Base reward rate: Earn 2 points per ₹150 on most spends, 3 points per ₹150 on dining.
Redemption options: cashback
Redemption value: 1 Pt = ₹0.10
Fees & Charges
Joining fee: 0
Annual fee: 500
Pros
Highly accessible with a low minimum income requirement of just ₹12,000 per month for salaried individuals.
Cost-effective with a zero joining fee and a low annual fee of ₹500, which is waived on a very achievable spend of ₹50,000 in a year.
Offers accelerated rewards on dining, providing 3 points per ₹150 spent, which is 50% more than the standard earn rate.
Provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, saving up to ₹250 per billing cycle.
Includes a direct 10% discount on movie tickets purchased online through BookMyShow.com.
Cons
The base reward rate of 2 points per ₹150 offers a very low effective return, especially for cashback redemptions, when compared to other entry-level cards.
Lacks any welcome benefits, such as bonus reward points or gift vouchers, which are commonly offered by competing cards in this segment.
Accelerated rewards are narrowly focused only on dining, with no bonus points on other high-frequency spending categories like online shopping, groceries, or utility payments.
The fuel surcharge waiver is capped at ₹250 per billing cycle, which limits savings for users with high fuel consumption.
Best Use Case
Individuals seeking a basic rewards card with benefits on dining and entertainment.