Base reward rate: Earn 3X rewards on online & offline spends, 10X on birthday & monthly spends > ₹20K, and 1X on utility & insurance bills (1X = 1 point per ₹150).
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Completely free ownership with ₹0 joining and ₹0 annual fees, supplemented by a ₹500 welcome voucher on spending ₹15,000 within 90 days.
Unique interest-free cash withdrawal facility from ATMs for up to 45 days, a rare benefit that avoids the high interest charges and fees typical on other cards.
Accelerated 10X reward rate on all monthly spends exceeding ₹20,000 and on all transactions made on your birthday.
Monthly movie ticket discount of 25% up to ₹100 on the Zomato app, offering a consistent annual saving of up to ₹1,200.
Up to 16 complimentary railway lounge visits per year (4 per quarter), a valuable perk for frequent train travelers, subject to a prior month's spend of ₹20,000.
Cons
The attractive 10X reward rate is conditional, applying only to monthly spends above a ₹20,000 threshold, making it significantly less rewarding for moderate spenders.
The base reward rate is very low, especially on utility and insurance bills which earn just 1X point per ₹150 spent, and key categories like fuel and EMI transactions are excluded from earning rewards.
Lacks any complimentary domestic or international airport lounge access, a benefit often available in this card segment.
A high foreign exchange markup fee of 3.5% is charged on all international transactions, making the card costly for use abroad or on international websites.
Best Use Case
Consumers seeking a lifetime-free credit card with accelerated rewards on online/offline shopping and milestone benefits, especially for higher monthly spends.