Base reward rate: Up to 5% cashback on online spends, 1% on offline spends.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.00
Fees & Charges
Joining fee: 999
Annual fee: 999
Pros
Up to 5% cashback on online spends
Cashback benefits without brand or merchant restrictions
Cashback is auto-credited to the statement, making redemption hassle-free
Easily achievable annual fee waiver on spending Rs. 2 lakh
Simple and effective cashback system
Cons
The card's value is limited by a monthly cap on cashback earnings, which restricts the total benefit for users with very high online spending.
Lacks key benefits commonly expected in its ₹999 fee segment, such as a welcome bonus to offset the joining fee and complimentary airport lounge access.
Has an extensive list of excluded categories, notably blocking cashback on essential high-volume spends like Utilities, Insurance, and Rent Payments.
Carries a high foreign exchange markup fee of 3.50%, making it an expensive option for any international online or in-person transactions.
Best Use Case
Consumers who frequently shop and spend online and prefer a simple, auto-credited cashback system.