Rewards & Benefits :- 

Movie & Dining

Up to 20% discount at partner restaurants with Swiggy Dineout

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Rewards Rate

5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)

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Reward Redemption

Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.

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Fees & Charges :- 

Spend-Based Waiver

The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.

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Rewards Redemption Fee

₹50 + GST Per Redemption Request

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Foreign Currency Markup

3.5% + GST

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Interest Rates

3.75% Per Month

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Fuel Surcharge

A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)

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Cash Advance Charges

2.5% of the transaction amount, subject to a minimum fee of Rs. 500

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Product Details :- 

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• 1,000 CashPoints as a welcome benefit on card setup (subject to realization of the joining fee).

• Gift vouchers worth ₹1000 on spending ₹1 lakh or above in a quarter.

• 5% cashback at select partner online merchants, including popular e-commerce websites like Amazon and Flipkart.

• 1% cashback on all other spends except fuel, rental, and government spends.

• Up to 20% discount on partner restaurants via Swiggy Dineout.

• Renewal fee waiver on spending ₹1,00,000 in the previous year.

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Pros/Cons :-

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Pros

• Get high 5% cashback on partner merchants like Myntra, Amazon, Zomato, Swiggy, Uber, etc.

• Renewal fee waiver on spending Rs. 1 Lakh in the card anniversary year

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Cons

• You earn a low 1% cash back on offline/online spends at non-partner merchants

• The accelerated Cashpoints are capped at 1000 per statement cycle and you can earn 1000 Cashpoints at the normal 1x rate.

• A minimum of 500 Cashpoints are needed to redeem against the card statement balance