By IndiaHub 
You can earn 3% CashPoints on groceries, supermarket, dining, and PayZapp; 2% on utilities; and 1% on all other spends, including UPI (applicable on transactions above Rs 100). Each reward tier has a monthly cap of 500 CashPoints or equal to Rs 375 per month;
There will be no CashPoints on fuel, rent, insurance, government or education payments, EMI spends, wallet/gift/prepaid card loads, voucher purchases, and cash advances.
Joining and annual fee is Rs 99, waived on annual spends of Rs 25,000 in the previous year.