What's good
- 1.5% cashback on POS retail transactions, capped at ₹100 per statement cycle
- 2 Reward Points per ₹100 on online purchases
- 500 bonus Reward Points each month after ₹20,000 retail spends
- 8 complimentary railway lounge visits per year
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, up to ₹150
- Joining fee waived after ₹20,000 spend in the first 90 days and renewal fee waived at ₹80,000 annual spend
Watch out for
- POS cashback is capped at ₹100 per statement cycle
- Annual fee applies unless the ₹80,000 anniversary-year spend threshold is met
- 3.49% foreign-currency markup makes it unsuitable for international spending
- Rewards are worth ₹0.25 per point and several payment categories may be excluded
Who should pick this card?
Best suited for someone focused on everyday retail spends.
This sits in the Grocery & Retail category — Higher rewards on supermarkets, department stores, and local shopping. Best for in-store spenders.
Fees, reward rates, and caps last verified in September 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
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