Base reward rate: Earns 2 Delight points for every Rs. 150 spent across most categories.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Good for new credit users
No joining or annual fees
Earns reward points on purchases
Offers fuel surcharge waiver
Relaxed eligibility criteria
Complimentary lounge access with no minimum spend requirement
Cons
The base reward rate of 2 Delight Points per ₹150 spent is very low, translating to an effective value-back of approximately 0.33% (assuming a standard redemption value of ₹0.25/point).
Carries a high foreign currency markup fee of 3.50%, making it an expensive option for international transactions.
Best Use Case
New credit users seeking a no-fee card with basic rewards and domestic lounge access.