Base reward rate: Earn 1 point per ₹100 on most spends, 5 points per ₹100 on grocery & 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 with ₹0 joining fee and ₹0 annual fee, eliminating any cost of ownership.
Excellent lounge access for a free card, offering 8 complimentary domestic airport visits per year (2 per quarter) without a minimum spend requirement.
Accelerated 5X rewards on essential spending, providing 5 points per ₹100 at all grocery and departmental stores.
Offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, saving up to ₹100 per statement cycle.
Complimentary lounge access with no minimum spend requirement
Cons
Extremely low base reward rate of just 1 point per ₹100, which translates to a poor effective return of 0.25% on most spending categories.
Insignificant welcome bonus of only 500 Reward Points (worth approximately ₹125) after spending ₹5,000 within 60 days.
Lacks any international travel benefits, offering no complimentary international lounge access.
The interest rate is high at 3.49% per month (41.88% annually), making it costly to carry a balance.
Best Use Case
Indian Navy personnel and their families seeking a lifetime free card with benefits on daily grocery spends and domestic lounge access.