What's good
- Up to 7% cashback on high-volume online spends
- Base 0.75% cashback on offline and travel spends
- 0.5% cashback on utility bill payments
Watch out for
- Very high ₹4L spend requirement for annual fee waiver
- Complex tiered structure (requires spending ₹40K+ to unlock 7%)
- No lounge access
Who should pick this card?
Best suited for someone focused on heavy online spenders.
This sits in the Cashback category — Earn cash back on everyday purchases. Best for those who prefer straightforward rewards without tracking points.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
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