Base reward rate: 2 pts/₹100 (0.5% cashback equivalent) on most spends; 10 pts/₹100 (2.5% cashback equivalent) on grocery & departmental stores.
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Completely free of charge with ₹0 joining fee and ₹0 annual fee, making it a true lifetime-free card.
Excellent accelerated reward rate on everyday spending, offering 10 points per ₹100 (2.5% value) on all grocery and departmental store purchases.
Generous lounge access for a zero-fee card, providing 8 complimentary domestic and 1 international lounge visit per year.
Offers premium lifestyle benefits rarely found on free cards, including 4 complimentary golf lessons/games per year and a 6-month FITPASS Pro membership upon activation.
Valuable milestone benefit of a complimentary 12-month Amazon Prime membership upon spending ₹1 lakh within the first 90 days.
Cons
Very low base reward rate of just 2 points per ₹100 on all other categories, which translates to a cashback value of only 0.5%.
High foreign currency markup fee of 3.50%, making it an expensive option for international transactions or for personnel posted abroad.
Lounge access is not truly free; it requires a minimum spend of ₹20,000 in the preceding quarter to unlock the benefit.
Fuel transactions are excluded from earning reward points, although they are eligible for a 1% surcharge waiver.
Best Use Case
Individuals associated with the Indian Army seeking a no-fee card with lifestyle benefits, accelerated rewards on groceries, and travel perks.