Base reward rate: Up to 2 points/₹100, with accelerated rewards on dining.
Redemption options: bill_payment
Redemption value: 1 Pt = ₹10.00
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 true lifetime free card without any spending conditions.
Offers accelerated rewards on dining, providing 50% more points (3 points per ₹150 spent) compared to the base earn rate.
Provides a 100% fuel surcharge waiver at all fuel stations, capped at a maximum of ₹250 per statement cycle.
Highly accessible with a low income eligibility of just ₹20,000 per month for salaried applicants and a CIBIL score requirement of 700+.
Cons
Extremely low base reward rate of 2 reward points per ₹150, which translates to a value-back of less than 0.3% on most redemption options.
Key modern spending categories like e-wallet loading, rental payments, and government transactions are explicitly excluded from earning any reward points.
Carries a high foreign currency markup fee of 3.50%, making it an expensive option for any international transactions.
The accelerated dining reward rate, while a feature, still provides a very low effective return of approximately 0.4%, which is uncompetitive.
Best Use Case
Individuals seeking a no-annual-fee card with enhanced dining rewards and fuel savings.