Base reward rate: Up to 25% discount on Yatra, 20% on Myntra, 15% cashback on Ola, 10% on Zomato & Blinkit, and BOGO movie tickets at INOX.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.00
Fees & Charges
Joining fee: 49
Annual fee: 49
Pros
Offers exceptionally high, category-specific discounts on popular online platforms, including 20% on Myntra and 15% cashback on Ola Cabs.
Provides a very achievable monthly fee waiver, making the card effectively free by waiving the ₹49 fee on spends of just ₹5,000 in a month.
Delivers strong entertainment and dining value with a 'Buy One Get One' INOX movie ticket offer on weekends (up to ₹200 off, twice monthly) and 10% off on Zomato (up to ₹150 off, five times monthly).
Features significant travel discounts on a major platform, offering 25% off domestic hotels, 20% off domestic flights, and 10% off international flights on Yatra.
Includes a practical 10% discount on Blinkit, directly benefiting users who frequently order groceries online.
Cons
Lacks a base rewards program, offering zero points or cashback on any spending outside of its few specified partner brands.
Provides no welcome or joining benefits, which is a significant drawback as comparable cards typically offer vouchers or bonus points equivalent to the first year's fee.
The value of key benefits is capped, limiting total savings. The INOX offer is capped at a maximum of ₹400 per month, and the Zomato discount is capped at ₹750 per month.
Carries a high foreign exchange markup fee of 3.50%, making it an expensive option for any international online shopping or travel spending.
A wide range of common spending categories like wallet loads, insurance, rent, and fuel are explicitly excluded from counting towards the ₹5,000 monthly fee waiver threshold.
Best Use Case
Individuals who frequently shop online, order food, book travel, and watch movies, seeking instant discounts on popular platforms.