What's good
- 1% cashback on all offline spends
- Low ₹1L annual spend threshold for fee waiver
- Points can be used against statement balance (1 CP = ₹1)
Watch out for
- Lounge access requires a massive ₹1 Lakh spend in a calendar quarter
- 5% cashback capped at ₹1,000 per billing cycle
- Cashback given as CashPoints, requires manual redemption with a ₹50 fee
- No reward points on wallet loads, Easy EMI, and education payments via third-party apps like CRED/Cheq (direct college/school payments still earn points)
Who should pick this card?
Best suited for someone focused on millennial shoppers.
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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