Welcome Benefits :- NA

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Rewards & Benefits :- 

Movie & Dining

3% Cashpoints on Dining spends

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Rewards Rate

3% Cashpoints on groceries, dining, and supermarket spends2% Cashpoints on utility spends1% Cashpoints on other spends, with some exclusions

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Reward Redemption

The Cashpoints can be redeemed against card statement balance, hotel and flight ticket bookings, on the Smartbuy rewards portal, where 1 Cashpoints = Rs. 0.25

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Travel 

NA

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Domestic Lounge Access

NA

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International Lounge Access

NA

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Fees & Charges :- 

Spend-Based Waiver

Renewal fee is waived off on spending Rs.25,000 or more in the previous year

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Rewards Redemption Fee

Rs. 99 plus taxes

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Foreign Currency Markup

3.5% + GST

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Interest Rates

33.6% per month or 43.2% per annum

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Fuel Surcharge

NA

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Cash Advance Charges

Higher of 2.5% of the amount withdrawn or Rs. 500.

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Product Details :- 

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• 3% Cashpoints on supermarket, dining, grocery, and PayZapp spends

• 2% Cashpoints on Utility spends

• 1% Cashpoints on other spends excluding some spend categories

• Up to 50 days of interest-free credit period

• Renewal fee waiver on spending Rs. 25000 or more in the previous year

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Pros/Cons :-

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Pros

• Earn CashPoints on both regular and UPI payments made with the credit card

• Get up to 3% CashPoints on grocery, supermarket, dining, and PayZapp spends

• The card is issued only virtually and there is no hassle of keeping the physical variant

Cons

• There are not many benefits apart from the UPI payments and cashback

• Many spend categories are excluded from earning cashback