Base reward rate: 10% cashback on dining, grocery, and food delivery (capped at ₹1,000/month), and 1.5% cashback on most other spends.
Redemption options: Statement credit
Fees & Charges
Joining fee: 999
Annual fee: 999
Pros
Offers an exceptional 10% cashback on high-frequency spending categories including dining, grocery, and food delivery.
Provides a superior base reward rate of 1.5% cashback on most other spends, which is higher than the typical 1% offered by competing cards.
Features a valuable welcome bonus of ₹1,000 cashback on spending ₹20,000 in the first 30 days, effectively negating the ₹999 joining fee.
Includes 4 complimentary domestic lounge visits per year (1 per quarter) without any minimum spend requirement, a solid travel perk for this segment.
The annual fee of ₹999 is waived on a relatively low annual spend of ₹2.0L, making the card effectively free for moderate spenders.
Complimentary lounge access with no minimum spend requirement
Cons
The high 10% cashback rate is severely restricted by a low monthly cap of ₹1,000 across all accelerated categories combined, which is exhausted after just ₹10,000 of spending.
A long list of excluded categories, including common household expenses like utility payments, insurance, fuel, and rent, significantly diminishes the card's overall cashback potential.
Lacks any accelerated rewards on major online shopping (e.g., Amazon, Flipkart) or travel portals, a key benefit offered by direct competitors in the same fee range.
The stated minimum income requirement of ₹4.0L per month is exceptionally high and completely misaligned with the card's benefits and low cashback caps, which are typical of an entry-level card.
Carries a high foreign exchange markup fee of 3.50%, making it an expensive option for any international transactions.
Best Use Case
Consumers who frequently spend on dining, groceries, and food delivery and prefer direct cashback redemption.