Base reward rate: 0.5% base cashback; up to 5% on online entertainment, food delivery, and online grocery; 3% on fuel, with a combined cap of ₹500 on accelerated spends.
Redemption options: statement_credit
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 750
Annual fee: 750
Pros
Offers a high 5% cashback on modern, high-frequency online spends like food delivery, online groceries, and entertainment (including OTT and gaming).
Provides a standout 3% cashback on fuel, a category often excluded from rewards by other cards, and combines it with a 1% fuel surcharge waiver.
The annual fee of ₹750 is waived on a reasonable spend threshold of ₹2,00,000, making the card potentially free for moderate spenders.
Cashback is conveniently redeemed as a direct statement credit, offering a simple and transparent reward system.
Earns rewards on fuel transactions (3% rate)
Cons
The base cashback rate of 0.5% is significantly below the industry standard of 1% for cards in this fee segment.
A low monthly cap of ₹500 across all accelerated categories severely limits the card's value; the 5% benefit is exhausted after just ₹10,000 in combined category spending.
Lacks any lifestyle benefits commonly expected at this price point, such as complimentary domestic airport lounge access or dining discounts.
Key spending categories like Utilities, Insurance, and Rent are explicitly excluded from earning any cashback.
Best Use Case
Consumers who frequently spend on online entertainment, food delivery, online groceries, and fuel, seeking accelerated cashback on these everyday categories.