Base reward rate: 1 pt/₹100 on most spends; 5 pts/₹100 on dining, online, and utility bills.
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 and ₹0 annual fees, which is exceptional for a card with these benefits.
Strong accelerated rewards of 5 points per ₹100 on high-frequency categories like dining, online shopping, and utility bills.
Offers a significantly lower foreign currency markup of 2.00%, providing substantial savings over the industry standard of 3.5% on international spends.
Generous travel perk with 12 complimentary domestic airport lounge visits per year (3 per quarter).
High-value welcome bonus of a 6-month FitPass Pro membership, stated to be worth ₹15,000, which is rare for a no-fee card.
Cons
The complimentary domestic lounge access is spend-gated, requiring a minimum quarterly spend of ₹40,000 to be activated.
The milestone benefit is highly problematic, rewarding 3,999 points for spending over the credit limit, which encourages poor financial habits and incurs over-limit fees.
The base reward rate is very low at just 1 point per ₹100, offering poor value on all spending outside the three accelerated categories.
Eligibility is highly restrictive, as the card is available exclusively to active members of the Institute of Company Secretaries of India (ICSI).
Best Use Case
Active ICSI members who frequently spend on dining, online purchases, and utility bills, and value travel benefits without annual fees.