Base reward rate: Earn 5% cashback on Zomato & Blinkit, 5% on dining, 1.5% on online spends, and 1% on offline spends.
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 500
Annual fee: 500
Pros
Excellent travel value for an entry-level card, offering a very low 1.50% forex markup fee, which is significantly better than the industry standard of 3.5%.
Strong co-branded rewards with 5% back as Edition Cash on all Zomato and Blinkit transactions, directly benefiting frequent users of these platforms.
Comprehensive lounge access program that is rare at this price point, including 2 domestic visits per quarter, 2 international visits per year via Priority Pass, and select railway lounge access.
Good milestone and retention benefits, offering an annual fee waiver and an additional ₹2,000 in Zomato Credits upon reaching an annual spend of ₹2 Lakhs.
Unique high-value perk of a 10% accelerated reward rate on all spends made during the user's birthday month.
Cons
The primary 5% reward on Zomato and Blinkit is capped at 500 Edition Cash per day, limiting the benefit on daily spends exceeding ₹10,000.
The valuable lounge access benefits are gated behind a relatively high spend condition of ₹35,000 per quarter, which may be difficult for moderate spenders to achieve.
Key high-volume spending categories such as Fuel, Wallet Loads, and Rent Payments are explicitly excluded from earning any reward points.
Best Use Case
Individuals who frequently order food from Zomato and Blinkit, dine out often, and seek rewards on online and birthday spends.