Base reward rate: Earn 1 point per ₹100 on most spends, and 5 points per ₹100 on movies, grocery, and departmental stores.
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Lifetime free card with no joining or annual fees.
In-built free accidental death coverage.
Zero cost liability on lost or fraudulent transactions.
Complimentary Disney+ Hotstar subscription.
Accelerated rewards on grocery, departmental stores, and movies.
Cons
The base reward rate is extremely low at 1 point per ₹100, which typically translates to a cashback value of just 0.25% (assuming 1 point = ₹0.25).
Card benefits are conditional on having made at least one transaction in the preceding 30 days, which can be a significant drawback for infrequent users.
Reward points expire 24 months after accrual, requiring active tracking and redemption to avoid losing their value.
Best Use Case
Consumers seeking a lifetime free card with accelerated rewards on everyday spends like groceries, movies, and departmental stores, plus a complimentary streaming subscription.