Base reward rate: 2 pts/₹100 on general spends; 6.67 pts/₹100 on weekday dining
Redemption options: statement_credit
Redemption value: 1 Pt = ₹0.15
Fees & Charges
Joining fee: 1000
Annual fee: 1000
Pros
Exceptional welcome bonus of vouchers worth ₹5,000, which is 5 times the joining fee of ₹1,000.
High-value entertainment benefit with 50% off on BookMyShow movie tickets, capped at a generous ₹600 per transaction for up to 4 tickets a month.
Complimentary annual Times Prime membership, providing access to multiple OTT platforms like Zee5 and Gaana Plus, easily justifying the annual fee.
Accelerated reward rate on dining with 10 reward points per ₹150 spent on weekdays, a 3.3x increase over the base rate.
Achievable annual fee waiver on spending ₹2.5 lakhs, which averages to a monthly spend of just under ₹21,000.
Cons
Very low base reward rate of 3 points per ₹150 spent, which translates to a value of approximately 0.4%, significantly below the 0.75%-1% baseline for this card segment.
Complimentary domestic lounge access is restrictive, requiring a minimum spend of ₹10,000 in the previous calendar quarter to unlock each of the 1 quarterly visits.
The accelerated 10x reward points on dining are limited to weekdays only, excluding higher-spend periods like Friday nights and weekends.
The high 3.5% foreign exchange markup, combined with the poor base reward rate, makes the card highly unsuitable for international transactions.
Best Use Case
Individuals who frequently dine out on weekdays and enjoy movies and digital subscriptions.