Real Annual Value
What's it actually worth for you?
Monthly SpendRs.50.0K
Gross rewardsRs.15,600
Annual fee-Rs.999
Net annual value+Rs.14,601
Value Breakdown
online (5%)+Rs.12,000
Base rate (1%)+Rs.3,600
Annual fee (waived)+Rs.0
Joining fee (year 1)Rs.999
Highlights
- Flat 5% online
- Auto cashback (no redemption)
- No category restrictions
Drawbacks
- Rs.2,000/month cap (added April 2026)
- Excludes rent, fuel, utilities, wallet
Reward Rates
Earn by category
online
5%
Cap: Rs.2.0K/mo
5% on all online (cap Rs.2,000/month after April 2026 update)
Devaluation History
Beware — this card has been devalued
01 Apr 2026
Rs.2,000/month cap on online cashback added
cap added