What's good
- Direct statement credit — no point conversion needed
- Works across Amazon, Flipkart, Swiggy, and 100+ online merchants
- 1% cashback on offline POS spends (capped at ₹2,000/month)
Watch out for
- 5% online cashback capped at ₹2,000/cycle; total cap across categories: ₹4,000/cycle (reduced from ₹5,000 in April 2026)
- Government, rent, wallet load, utility, toll, and digital gaming payments excluded
- No airport lounge access
Who should pick this card?
Best suited for someone focused on online shopping.
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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