Welcome Benefits :- ​N/A

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Rewards & Benefits :- 

Movie & Dining

N/A

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Rewards Rate

5% cashback for every online transaction and 1% cashback on other offline transactions. You can earn a maximum of Rs. 5000 cashback in a single statement cycle.

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Reward Redemption

Cashback earned with the card will be automatically credited to next month’s statement.

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Travel 

N/A

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Domestic Lounge Access

N/A

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

The annual fee can be waived on spending Rs. 2,00,000 or more in the previous year.

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Rewards Redemption Fee

NIL

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Foreign Currency Markup

3.5% + GST

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Interest Rates

3.6% per month (45% annually)

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Fuel Surcharge

1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India. (waiver capped at Rs. 100 per statement)

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Cash Advance Charges

Higher of Rs. 300 or 2.5% of the amount withdrawn.

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Product Details :- 

• Get 5% cashback on every online transaction (maximum Rs. 5,000 cashback per month).

• 1% cash back on every offline transaction.

• Spend-based annual fee waiver.

• 1% fuel surcharge waiver capped at Rs. 100 per month.

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Pros/Cons :-

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Pros

• Decent 5% cashback on online and 1% cashback on offline spends.

• The monthly cashback cap of Rs. 5,000 is high when compared to other cashback cards.

• Great for online spendings as most cashback cards don’t offer 5% back and have lower rewards.

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Cons

• There are several categories excluded from 1% cashback.

• It can be hard to reach the spend-based waiver as many major spend categories don’t accrue cashback.

• Complimentary lounge access has been discontinued on the card.

• During online sales, you do not get an instant discount on the cashback card.