Base reward rate: 2 pts/₹100 on most spends, 1 pt/₹100 on select categories
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 199
Annual fee: 199
Pros
Exceptional lounge access for its fee segment, offering 2 complimentary domestic airport lounge visits per quarter and 4 railway lounge visits annually without a minimum spend requirement.
Strong entertainment benefit with a 25% discount up to ₹100 on movie tickets booked via BookMyShow, available twice per month.
Very low cost of ownership with a nominal annual fee of ₹199, which is easily waived on a low annual spend of just ₹50,000.
Offers milestone rewards, providing 2,000 bonus points on achieving ₹2 lakh in annual spends and 1,000 points for every additional ₹1 lakh.
Provides access to the ICICI Bank Culinary Treats Program, offering a minimum of 15% savings at over 800 partner restaurants.
Complimentary lounge access with no minimum spend requirement
Cons
Extremely low reward rate on essential categories, offering only 1 point per ₹100 (a 0.25% value back) on spends like grocery, utility, and departmental stores.
The base reward rate of 2 points per ₹100 translates to a modest 0.5% return, which is lower than many competing entry-level cards.
The high 3.5% foreign currency markup fee makes the card expensive for international use, effectively negating the minimal 0.5% reward rate on such transactions.
Best Use Case
Individuals seeking fuel benefits, movie discounts, and basic rewards on everyday spending with a low annual fee.