Key Features & Benefits
- ✦2 CashPoints per ₹150 on all eligible retail spends
- ✦5X CashPoints on EMI transactions at select merchants
- ✦10X CashPoints on partner brands (Amazon, Flipkart, Myntra, etc.)
- ✦500 CashPoints welcome benefit
- ✦Annual fee waiver on ₹50,000 spend
- ✦EMI conversion on purchases above ₹10,000
- ✦1% fuel surcharge waiver
- ✦Contactless payments enabled
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Welcome & Joining Benefits
- ✦500 CashPoints on joining
Milestone Benefits
- ✦₹50,000 annual spend → ₹500 fee waived
Pros & Cons
✓ Advantages
- ✓Annual fee waived at just ₹50,000 — very easy
- ✓10X on partner brands — good for Amazon/Flipkart shoppers
- ✓5X on EMI — rewards big-ticket purchases
- ✓Simple structure, good starter card
✗ Disadvantages
- ✗No lounge access
- ✗Base 2X rate (1.33%) is modest
- ✗CashPoint value: 1 CP = ₹0.25 at statement redemption
Frequently Asked Questions
What is 1 CashPoint worth?▼
1 CashPoint = ₹0.25 when redeemed against statement balance. For SmartBuy voucher redemptions, value can go higher. So 10X means roughly 1.67% effective cashback at standard redemption.
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