○ Data not yet verified
💰
Annual Fee
Free
🎁
Reward Type
Points
🌍
Forex
2.5%
✈️
Lounge
4 dom · 0 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining FeeFree
Annual FeeFree
Min Monthly Income₹15,000
Rewards
Reward TypePoints
Base Rate0.5%
Point Value₹0.25/point
Category Multipliers
online2%utility1.5%
Redemption Values
gift vouchers₹0.5/pt
statement credit₹0.25/pt
Travel & Global
Forex Markup2.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkVisa
Lounge Spend Req.₹15,000 Quarterly
Lounge Details
Spend ₹15K in previous quarter for 1 domestic lounge visit.
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
💡 Fee Waiver Strategy
Lifetime Free card.
✓ Lifetime Free Card
This card has no annual or renewal fee - ever. No spend targets needed.
🎯 Pro Tips
- ▸Solid LTF option with lounge access and fuel surcharge waiver.
- ▸Lower forex markup (2.5%) than most entry cards.
- ▸AU Bank offers easy upgrade path to higher-tier cards.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹2,625
Effective Rate
0.2%
Ranked #129 of 173 cards#129
📊 Spending Scenarios - Real-World Returns
Budget Spender (₹12k/mo)
Monthly: ₹12,000 · Annual: ₹1,44,000
1.17%
Effective Return
other: ₹4,000/moonline: ₹5,000/moutility: ₹3,000/mo
Annual Rewards Value₹1,680
2x on online, 1.5x on utility, 0.5% base.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Gift VouchersBEST | ₹0.50/pt | 1000 pts = ₹500 voucher | Shopping |
🏷️ Best For
cashbackfirst-cardutilities