Users will get 1 reward point on spending INR 100. Value of 1 reward point = INR 0.40. General cashback rate: 0.4%. 

Reward System: The card offers 4 different kind of reward plans. (1) Shop Plan: Users get 2% cashback on shopping in department store. 1% cashback on purchase of consumer durables or electronic items. 0.75% cashback on restaurant bills. 0.75% cashback on books. 0.25% cashback on all other spends. (2) Home Plan: Users get 2% cashback on grocery shopping. 0.7% cashback on cellphone bills, electricity bills, insurance premiums. 0.75% cashback on medical spends. 0.25% cashback on all other spends. (3) Travel Plan: Users get 2% cashback on hotel bookings. 1.25% cashback on airline tickets. 0.75% cashback on car rental and rail ticket bookings. 0.25% cashback on all other spends. (4) Party Plan: Users get 2% cashback on restaurant bills. 1% cashback on shopping in departmental stores and on payment in pubs and bars. 0.75% cashback on movie tickets. 0.25% cashback on all other spends.

Reward System: Get 2 reward points on every INR 100 spent on UPI transactions. Value of 1 reward point is INR 0.35. UPI cashback rate:  0.70%. Get 1 reward points on every INR 100 spent on non-UPI  transactions. Value of 1 reward point is INR 0.35. Non-UPI cashback rate:  0.35%. 

Card holders will get 8 reward points on spending INR 150. Value of 1 reward point is INR 0.25. General cashback rate: 1.3%.

Users will get 10 Zen points for every INR 150 spent on apparels, lifestyle goods, departmental stores and jewellery. Value of 1 Zen point = INR 0.25. Shopping cashback rate: 1.6%. 5 Zen points on all other spends of INR 150. General cashback rate: 0.8%.