Base reward rate: Earn up to 5 points/₹100 on select categories (entertainment, food delivery, online grocery), 3 points/₹100 on fuel, and 0.5 points/₹100 on other eligible purchases.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 750
Annual fee: 750
Pros
Excellent welcome bonus: Earn 1000 reward points (worth ₹1000) on a minimal spend of ₹500 within 30 days, which more than covers the ₹750 joining fee.
High 5% cashback on modern lifestyle spends: Covers a broad range of categories including Online Grocery, Food Delivery, and Entertainment (movies, OTT subscriptions, and video games).
Strong dual fuel benefits: Provides 3% cashback on IndianOil fuel spends, a category often excluded from rewards, combined with a 1% fuel surcharge waiver (up to ₹3,500 annually).
Achievable annual fee waiver: The ₹750 annual fee is waived on spending ₹2,00,000 in a year, a reasonable threshold for the target user.
Low income eligibility: Accessible to a wide audience with a minimum income requirement of just ₹25,000 per month for salaried individuals.
Earns rewards on fuel transactions (3% rate)
Cons
Severely restrictive rewards cap: The accelerated cashback is capped at a low ₹500 per month across all bonus categories, limiting the 5% benefit to a combined spend of just ₹10,000.
Very low base reward rate: At just 0.5% cashback, all spending outside the accelerated categories offers poor value compared to the 1% base rate common on cards in this fee segment.
No complimentary lounge access: Lacks any domestic airport lounge access, a benefit that is reasonably expected and offered by many competing cards with a similar annual fee.
Extensive spending exclusions: Fails to earn rewards on major recurring expenses like Rent, Utilities, and Insurance payments, which are explicitly excluded.
High foreign transaction fee: The 3.50% forex markup makes the card expensive for any international purchases or travel.
Best Use Case
Consumers who frequently spend on fuel, food delivery, online groceries, and entertainment, seeking a co-branded card with specific benefits.