70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Use for eligible online retail, food delivery, and travel checkouts up to roughly ₹40,000 per statement cycle
Heavy spenders lose significant value after the 1 April 2026 cap cut because the old ₹5,000 statement-cycle ceiling is gone
Latest change: Data correction: removed points-redemption threshold from an automatic cashback product and resolved outdated FAQ confl...
For Moderate Online Shoppers. 5% on online spend. ₹999 fee, waiver at ₹2,00,000 / year. Skip it for lounge access.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Moderate Online Shoppers
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹999
Waived on annual spends of ₹2,00,000
Online spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
No airport-level lounge rows are currently listed.
No complimentary lounge program is listed in reviewed issuer terms.
Policy fallback: Policy-only fallback: no airport lounge entitlement is listed for this cashback-focused card.
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.