Base reward rate: 1 point per ₹100 on general spends; 5 points per ₹100 on other online spends; 10 points per ₹100 on online exclusive partners like BookMyShow, Swiggy, Domino's.
Redemption options: default
Redemption value: 1 Pt = ₹0.20
Fees & Charges
Joining fee: 499
Annual fee: 499
Pros
Exceptional milestone benefit: Earn a ₹2,000 e-voucher on reaching ₹1 lakh in annual online spends, and a second ₹2,000 voucher at the ₹2 lakh mark, offering a significant bonus return.
First-year fee is effectively cancelled by a ₹500 Amazon welcome voucher, which directly offsets the ₹499 joining fee.
Includes complimentary domestic airport lounge access (1 visit per quarter), a premium perk rarely offered on cards with a low ₹499 annual fee.
Accelerated 10X rewards (equivalent to 2.5% value back) on popular online partners including Swiggy, Domino's, and BookMyShow.
The annual fee of ₹499 is waived on a relatively low and achievable annual spend of ₹1 lakh.
Complimentary lounge access with no minimum spend requirement
Cons
Extremely low base reward rate of just 1 point per ₹100 (0.25% value back) on all offline and non-partner online spending, significantly underperforming competitors.
The '10X Rewards' headline translates to a modest 2.5% effective return, which is half the value offered by direct competitors like the Cashback SBI Card (5% on online spends).
The list of partners offering 10X rewards is very narrow, limiting the card's primary benefit to users who frequently spend on a few specific brands like Swiggy and Domino's.
A high foreign currency transaction fee of 3.50% makes this card an expensive option for international websites or travel.
Best Use Case
Individuals who frequently shop online and seek accelerated rewards on popular e-commerce, entertainment, and dining platforms.