Base reward rate: Earn 2 pts/₹100 on most spends, 10 pts/₹100 on movies & departmental stores.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Truly lifetime-free card with ₹0 joining and ₹0 annual fees, offering significant value without any recurring cost.
Excellent milestone benefit of a 12-month Amazon Prime membership upon spending ₹1 lakh within the first 90 days.
Generous welcome offer including a 6-month FITPASS Pro membership (worth ₹15,000) and 500 bonus points on a low spend of ₹5,000 in 60 days.
Offers 8 complimentary domestic lounge visits per year (2 per quarter), a premium travel benefit rarely found on a no-fee card.
Provides 5X accelerated rewards (10 points per ₹100) on spending at departmental stores and on movie tickets.
Cons
Exclusively available only to personnel of the Assam Rifles, making it inaccessible to the general public.
Complimentary lounge access is conditional, requiring a minimum spend of ₹20,000 in the preceding quarter to unlock the benefit.
The accelerated 5X reward points on movies and departmental stores are subject to a monthly cap, limiting the total benefit from high spending in these categories.
Best Use Case
Assam Rifles members seeking a lifetime free card with accelerated rewards on entertainment and shopping, plus travel and wellness benefits.