Base reward rate: Earn 1 reward point per ₹100 on general spends, 2 points per ₹100 on dining, and 3 points per ₹100 on travel and international spends.
Redemption options: cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Excellent travel benefits for a no-fee card, including a low 2.00% forex markup (compared to the standard 3.5%) and 2 complimentary international lounge visits annually.
No joining or annual fees, making it a lifetime free card that provides access to premium-style benefits without any cost.
Accelerated rewards on key lifestyle categories, offering 3X points on travel and international spends, and 2X points on dining.
Strong welcome bonus of a ₹600 Amazon Pay e-voucher on a relatively low spend of ₹10,000 within the first 30 days, equivalent to a 6% return.
Valuable entertainment perk with a monthly Buy 1 Get 1 free movie ticket offer at INOX cinemas.
Cons
High spending threshold for domestic lounge access, requiring a spend of ₹60,000 in the previous quarter to unlock the 2 complimentary visits.
Extremely low insurance coverage, with an air accident cover of only ₹2.0L, which is significantly below the standard for cards in this segment.
Reward earning is restricted on several common transaction types, with exclusions for government services, wallet loads, and rental payments.
The base reward rate is a modest 1X, which applies to all categories outside of the accelerated travel, international, and dining spends.
Best Use Case
Individuals seeking a no-annual-fee card with accelerated rewards on dining, travel, and international transactions, along with complimentary lounge access and movie benefits.