Base reward rate: Earn 10 Reward Points for every ₹200 spent online, 5 Reward Points for every ₹200 spent offline. Accelerated 20 Reward Points for every ₹200 on ixigo train bookings.
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Features a 0.00% foreign currency markup fee, a premium benefit rarely seen on a zero annual fee card, offering significant savings on international spending.
Provides an exceptionally high number of complimentary lounge visits for its segment: 16 domestic airport and 8 railway lounge visits annually.
Offers a strong welcome bonus for a no-fee card, providing 1,000 reward points and ₹1,000 in ixigo money vouchers after the first transaction.
Delivers direct savings on the ixigo platform, including an accelerated rate of 20 reward points per ₹200 on train bookings and a waiver of payment gateway charges.
The annual fee is ₹0, with a waiver condition on a very achievable spend of just ₹1,00,000 in the previous year, making it effectively free for most users.
Cons
Access to the generous lounge benefits is conditional upon a minimum spend of ₹20,000 each quarter, potentially making the perk inaccessible for users with lower or inconsistent spending.
A wide range of common and high-value transaction categories are excluded from earning reward points, including fuel, rent, insurance, wallet reloads, and all BBPS payments.
Despite the zero forex fee, its utility as a primary international travel card is limited by offering only one complimentary international lounge visit per year.
The base reward rate for offline spending is low at just 5 reward points per ₹200, diminishing its value for in-person transactions.
Best Use Case
Frequent domestic travelers, especially those booking trains and other travel online via ixigo, seeking extensive lounge access.