Base reward rate: 1 point per ₹150 spent, 5x points on dining and fuel
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 0
Annual fee: 1000
Pros
5X reward points on dining and fuel spends
No monthly capping on accelerated reward points
Instant approval without any documentation
Joining fee waiver with easily achievable spend threshold
Earns rewards on fuel transactions (5x rate)
Complimentary lounge access with no minimum spend requirement
Cons
The reward redemption value is extremely low at just ₹0.25 per point. This results in a poor effective reward rate of 0.167% on base spends and only 0.83% on the 5X accelerated categories, which is significantly below the industry benchmark.
Lacks common lifestyle benefits that are standard for cards in this fee segment, such as Buy-One-Get-One movie ticket offers or complimentary memberships to dining programs.
The base reward rate is a very low 1 point per ₹150 spent, making it unrewarding for any purchases made outside of the specific dining, fuel, or monthly milestone categories.
A high foreign exchange markup fee of 3.50% is charged on all international transactions, making the card an expensive choice for use outside India.
Best Use Case
Individuals who frequently spend on dining and fuel, seeking a card with basic lounge access and an annual fee waiver.