Base reward rate: Earn 2-4 points per ₹100 spent (equivalent to 0.5% - 1%)
Redemption options: Reward points can be redeemed for items from a gift and product catalogue, as well as for booking flights, hotels, and movie tickets through a dedicated website. Points can also be converted to InterMiles or Club Vistara Points.
Fees & Charges
Joining fee: 399
Annual fee: 399
Pros
Excellent Welcome Bonus: Receive an Amazon voucher worth ₹500 on a minimal spend of just ₹1,000 within the first 30 days, which more than covers the joining fee of ₹399.
Easily Achievable Fee Waiver: The annual fee of ₹399 is waived on a very low spending threshold of just ₹50,000 in a year, making the card effectively free for most users.
Generous Lounge Access for its Segment: Offers 6 complimentary domestic airport lounge visits per year, a significant perk for a card with a sub-₹500 annual fee where such benefits are rare.
Accelerated Rewards on Dining & Travel: Earns 8 reward points per ₹200 spent on travel and dining, a competitive accelerated rate for an entry-level card.
Valuable Milestone Benefit: Provides 12,000 bonus reward points upon reaching an annual spend of ₹3.6 lakh, adding a significant value boost for higher spenders.
Complimentary lounge access with no minimum spend requirement
Cons
Severe Reward Cap: The earning of reward points is capped at a very low 1,500 per statement cycle, which is reached after spending just ₹37,500 on the highest-earning categories (travel/dining), severely limiting the card's value.
High Foreign Exchange Markup: A 3.40% forex markup fee is charged on all international transactions, making it an expensive choice for use abroad despite its travel-focused rewards.
Poor Reward Rate on Essential Spends: Certain categories like utilities and transportation earn only 2 points per ₹200, which translates to a very low reward rate of approximately 0.5%.
Best Use Case
Individuals seeking a low-fee card with decent rewards on travel and dining, plus complimentary domestic lounge access.