Base reward rate: 10% cashback on dining, grocery, and food delivery; 1.5% cashback on all other spends
Redemption options: Direct Cashback
Fees & Charges
Joining fee: 999
Annual fee: 999
Pros
High accelerated cashback of 10% on key spending categories including dining, grocery, and food delivery.
Strong flat cashback rate of 1.5% on all other eligible spends, which is competitive for non-accelerated categories.
Excellent travel perks for its segment, offering 4 complimentary domestic and 2 complimentary international lounge visits annually with no minimum spend requirement.
The joining fee of ₹999 is effectively neutralized by the welcome gift of ₹1,000 cashback on spending ₹20,000 within the first 30 days.
The annual fee of ₹999 is waived on a reasonable annual spend of ₹2,00,000.
Complimentary lounge access with no minimum spend requirement
Cons
Cashback earning is severely restricted by a long list of exclusions, including common spends like e-wallet loads, fuel, rental payments, and insurance premiums.
Features a high foreign currency markup of 3.5%, which makes international spending expensive and undermines the value of its international lounge access benefit.
Lacks popular lifestyle benefits common in this fee segment, such as complimentary movie tickets or discounts on OTT subscriptions.
The stated minimum income for salaried applicants is ₹4.0L/month (₹48L per annum), an exceptionally high and likely prohibitive requirement for this card's target audience.
Best Use Case
Consumers who frequently spend on dining, groceries, and food delivery and seek direct cashback benefits.