Eligible spend
1 points per ₹100 on eligible spend
AU RUPAY
CheQ
Should you get this?
Conditional fit
Why this card
- No annual fee.
- Published base rewards of 1 pt / ₹100 on domestic spend.
Trade-off
Reward point value isn't clearly documented yet, so overall returns may vary.
Annual fee ₹0 no annual fee currently listed
Rewards 1 pt / ₹100 on domestic spend
Forex markup 3.49% high
Compare with Axis Bank ACE →
Closest alternative from the same pricing or usage lane.
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
Domestic spend — Min ₹2001 pt / ₹100Credited as reward points · Min ₹200 per transactionDoes not earn on Not stated
- cash
- education
- emi
- fuel
- gaming
- govt
- insurance
- jewellery gold
- rent realestate
- wallet
Partner Brands12 pts / ₹100Credited as reward points · through CheQ app · app only · Min ₹200 per transaction · additional conditions apply — not fully modelledDoes not earn on Not stated
- other tpap
Everyday Key Categories5 pts / ₹100Credited as reward points · through CheQ app · app only · Min ₹200 per transaction · additional conditions apply — not fully modelledDoes not earn on Not stated
- other tpap
UPI2.5 pts / ₹100Credited as reward points · through CheQ app · app only · Min ₹200 per transaction · additional conditions apply — not fully modelledDoes not earn on Not stated
- other tpap
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Best verified lane
Partner Brands
12 pts / ₹100
View bonus categories →No reward on
- Rent
- Education
- Government payments
- Wallet loads
- +9 more
Realisation
Credited as reward points
Costs & fees
Watch outs
Before choosing this card- Reward point value isn't clearly documented yet, so overall returns may vary.
- Lounge access not verified.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1 pt / ₹100 on domestic spend). Up to ~500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Lounge access not verified
Rewards
- Base earn
- 1 points per ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹0
- Joining fee
- ₹0 · verified 4 Sept 2026
International Use
- Forex markup
- 3.49%
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
Travel & perks
Fuel Benefits
At the pump- Fuel surcharge waived on transactions ₹500–₹5,000.
- Maximum waiver ₹150 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions: 13
These spends do not earn reward points.
Payments
- Rent
- Education
- Government payments
Financial
- Wallet loads
- Insurance premiums
- Fuel
Shopping
- Online gaming
Other
- Exclusion: Jewellery & Gold (MCC 5944, 5094)
- Exclusion: converted to EMIs
- Exclusion: Cash (MCC 6010, 6011)
- UPI from other TPAP apps done through the RuPay variant on these MCCs…
- UPI from other TPAP apps done through the RuPay variant on partner me…
- UPI through the RuPay variant done on any other TPAP is not eligible…
Latest update
- Annual fee: ₹0.
- Forex markup currently listed at 3.49%.
- Lounge access not verified.
Common questions
From verified card factsIs this good for lounge access?
Lounge access is not fully verified. Check issuer terms before relying on this card for lounge access.
Is this good for international spends?
Forex markup is 3.49%, so frequent international spends may be costly.
Is the annual fee easy to recover?
No joining, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.
When do welcome benefits arrive?
A welcome benefit is listed. Included items: EazyDiner — welcome. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Forex markup
Why 3.5% can erase travel rewards - Cashback vs points
When simple cash beats flashy miles