Base reward rate: Earn up to 6 reward points per INR 200 on online purchases and GST/tax payments, 4 points on offline purchases, and 1 point on specific utility/UPI spends.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Truly lifetime-free with ₹0 joining and ₹0 annual fees, which is a significant advantage for a business credit card with a rewards program.
Features a very low foreign currency markup of 1.50%, offering substantial savings on international transactions compared to the industry standard of 3.5%.
Provides rewards on critical business expenses like GST and tax payments, offering up to 6 Reward Points per ₹200, a category often excluded by other cards.
Earns reward points on UPI transactions (1 point per ₹200 below ₹2,000; up to 3 points above), a rare feature that captures a common payment method for small businesses.
Offers accelerated rewards on all domestic online purchases at a rate of 6 reward points per ₹200, benefiting businesses that procure goods and services digitally.
Cons
Completely lacks complimentary airport lounge access, a standard and highly expected perk for any business-segment credit card.
The effective reward rate is low. The highest earning rate of 6 points per ₹200 translates to a modest 0.75% return (at a value of ₹0.25/point), while the rate for utilities is a negligible 0.125%.
The 1% fuel surcharge waiver is capped at a very low limit of ₹200 per month, which is insufficient for businesses with even moderate transportation or fuel expenses.
The reward structure for key business categories like GST/Tax payments ('Up to 6 Reward Points') is vaguely defined, making it difficult to accurately forecast earnings.
Fuel and EMI transactions are explicitly excluded from earning any reward points, which are often significant expense categories for a business.
Best Use Case
Business owners and professionals seeking accelerated rewards on online and offline business expenses, including GST and tax payments.