Eligible spend
1 points per ₹100 on eligible spend
Should you get this?
Conditional fit
Why this card
- Up to 2 pts / ₹100 on online spend
- You spend on online shopping.
Trade-off
The annual fee (₹499) is waived only when eligible annual spend exceeds ₹50,000.
Annual fee ₹499 per year
Rewards 1 pt / ₹100
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with Axis Bank ACE →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1 pt / ₹100Credited as reward points—
Online shopping2 pts / ₹100Credited as reward points · online only1,000 points cap; reset period not stated by issuer; at 2 pts / ₹100, this lane reaches the cap at ₹50,000 of eligible spend
How to avoid the annual fee
Spend threshold for waiver Above ₹50K annual eligible spend required for the waiver
Above ₹50K eligible annual spend waives the fee
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹0.11 per point
Headline redemption
Best verified lane
Online shopping
2 pts / ₹100
View bonus categories →Caps
- Online shopping1,000 points cap
Why?
reset period not stated by issuer; at 2 pts / ₹100, this lane reaches the cap at ₹50,000 of eligible spend
No reward on
- EMI
Realisation
Credited as reward points
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹50,000yearAnnual fee waiver
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1 pt / ₹100). Up to ~500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹60 at the conservative redemption floor
- Fee waiver achievable at this spend
- 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)
- No complimentary lounge access
- International (cardholder)
- No international lounge entitlement documented by the issuer Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.
Issuer documented · single source · verify on issuer site
Where to verify
Rewards
- Base earn
- 1 points per ₹100 value depends on redemption
- Effective return (honest floor)
- ~0.11% base (conservative redemption) · verified 30 Aug 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.11 per Reward Point (Headline redemption) · verified 30 Aug 2026 Operator-verified headline rate — full channel grid in Redemption value.
Redemption value
- You earn
- Reward Points
- Redemption
- ₹0.11 per Reward Point · verified 30 Aug 2026
Fees & charges
Fees
- Monthly interest rate
- 3.99% / month
- Annual fee
- ₹499
- Joining fee
- ₹499 · verified 1 Jul 2026
- Fee waiver spend
- Above ₹50,000 · verified 1 Jul 2026 Annual fee waived on eligible anniversary-year spend above ₹50,000.
International Use
- Forex markup
- 3.5%
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Product tier
- Entry-level
Travel & perks
Fuel Benefits
At the pump- Fuel surcharge waived on transactions ₹500–₹4,000.
- Maximum waiver ₹100 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Online cap: 1,000 points cap; reset period not stated by issuer; at 2 pts / ₹100, this lane reaches the cap at ₹50,000 of eligible spend.
- After the Online cap is reached, further spending in that lane earns no rewards.
Exclusions
These spends do not earn reward points.
Financial
- EMI
Latest update
- Annual fee: ₹499.
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies above ₹50,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit is listed. Included items: SuperCard welcome reward points (2,000 pts) — welcome; joining fee required; spend 2000. 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 - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum