Base reward rate: Up to 5 pts/₹100 on online spends, 2.5 pts/₹100 on general offline spends
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Completely free to own with a ₹0 joining fee and ₹0 annual fee, making it a no-risk addition to your wallet.
Features a 0% foreign currency markup fee, a significant saving on international transactions and a rare premium benefit for a lifetime-free card.
Offers generous lounge access for a zero-fee card, including up to 2 complimentary domestic airport visits and 2 railway lounge visits per quarter.
Provides valuable travel perks on a specific platform, including direct discounts and no payment gateway charges for train bookings on ixigo.
Strong welcome and activation benefits, including 1,000 reward points, ₹1,000 in Ixigo money, and 3-month subscriptions to ZEE5, Amazon Prime, and Cult.fit.
Cons
Lounge access is conditional and requires a minimum spend of ₹20,000 in the previous quarter, which may be a difficult threshold for many users to meet consistently.
The reward structure is basic, offering 10 points per ₹200 on online spends, and lacks accelerated rates on common high-spend categories like utilities or groceries.
The minimum income requirement of ₹1.8L/month for salaried applicants is exceptionally high and misaligned with the card's entry-to-mid-level benefits.
The 1% fuel surcharge waiver is capped at a low maximum of ₹200 per statement cycle, limiting savings on high fuel expenditures.
Best Use Case
Individuals seeking accelerated rewards on online and offline spending, coupled with travel perks and lifestyle benefits, without annual fees.