Rewards
- Base reward rate: Up to 5% cashback on Myntra, 1% on UPI, and up to 2 reward points per ₹100 on online spends.
- Redemption options: flights, cashback, vouchers
- Redemption value: 1 Pt = ₹0.25
Fees & Charges
- Joining fee: 0
- Annual fee: 0
Pros
- Truly lifetime-free card with ₹0 joining and ₹0 annual fees, making it highly accessible.
- Excellent accelerated cashback on popular brands, offering 5% on Myntra, 3% on Cleartrip, and 2% on Flipkart.
- Features a standout 1% cashback on all UPI spends, a category where most credit cards offer no rewards.
- Strong milestone benefit for a free card: Earn 4 free PVR tickets or ₹750 cashback after spending ₹75,000 in a year.
- Offers a low foreign currency markup fee of 2.00%, which is significantly better than the industry standard of ~3.5% for this segment.
- Achievable welcome bonus of 500 reward points on a relatively low spend of ₹5,000 within the first 45 days.
Cons
- Extremely low base reward rate of just 1 reward point per ₹100 on general, non-partner spends, offering minimal value.
- A long list of common spending categories are excluded from earning rewards, including Utilities, Insurance, Education, Government payments, and Fuel.
- Reward redemption is highly restrictive, as it can only be done through the 'super.money' app, with no option for direct statement credit.
- Lacks any form of complimentary travel benefits, such as airport lounge access, which some entry-level cards have started to offer.
Best Use Case
Consumers seeking a lifetime free card with accelerated rewards on online shopping and UPI spends.