Base reward rate: Earn 5 Zen Points per ₹150 on most spends, and 10 Zen Points per ₹150 on shopping categories.
Redemption options: Cash and PaybyPoints, Mobile recharges and shopping
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 1500
Annual fee: 1500
Pros
Offers an accelerated reward rate of 10 Zen Points per ₹150 spent on key shopping categories like Apparels, Departmental Stores, and Jewelry.
Features a valuable milestone program, rewarding users with 7,500 bonus points on ₹3 lakh annual spends and an additional 15,000 bonus points on reaching ₹6 lakh.
Provides a comprehensive travel package for its fee segment, including 8 complimentary domestic lounge visits annually and 3 international visits via Priority Pass.
The annual fee of ₹1,500 is waived on a highly achievable spend threshold of ₹1.5 lakh per year, making the card effectively free for moderate spenders.
Complimentary lounge access with no minimum spend requirement
Cons
The welcome bonus of 1,500 Zen Points is significantly lower in value than the ₹1,500 joining fee, unlike many competing cards that fully offset the initial cost.
The domestic lounge access program will be significantly devalued from June 1, 2025, introducing a high spend requirement of ₹75,000 per quarter to access the benefit.
Annual fee of ₹1,500 requires ₹15,000+ annual spend to justify
The base reward rate of 5 Zen Points per ₹150 spent is modest and does not apply to several key categories like Fuel, Wallet Loading, and EMI transactions.
Best Use Case
Consumers who frequently spend on apparel, lifestyle goods, and departmental stores, and value travel benefits.