Base reward rate: 3 pts/₹100 on all eligible spends
Redemption options: statement_credit
Redemption value: 1 Pt = ₹0.07
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Completely free of charge with a ₹0 joining fee and ₹0 annual fee, making it a zero-cost card for earning rewards.
Earns rewards on UPI payments, offering 3 reward points for every ₹100 spent via QR codes linked to the card.
Features a simple, flat reward structure of 3 points per ₹100 on all eligible UPI and standard credit card spends, making it easy to understand.
As a RuPay card, it can be linked to major UPI apps (like GPay, PhonePe, Paytm), enabling reward earning at millions of merchants nationwide.
Cons
The stated 'Low reward redemption value' results in a very poor effective return on spend, significantly diminishing the value of the 3 points earned per ₹100.
A very broad list of common spending categories are excluded from earning rewards, including fuel, rent, wallet loading, insurance, education, and railway tickets.
Lacks any lifestyle benefits, offering no dining discounts, movie ticket offers, or other perks commonly found even in the entry-level segment.
Carries a high foreign currency markup fee of 3.50%, making it an expensive option for international transactions as the fee negates any rewards earned.
Best Use Case
Individuals seeking a no-fee credit card that offers rewards on everyday UPI and standard credit card transactions, including international spends.