← Back to all cards
✓ Data refreshed weekly✓ Issuer-verified fields
💰
Annual Fee
Free
🎁
Reward Type
Cashback
🌍
Forex
3.5%
✈️
Lounge
0 dom · 0 intl
Full Spec Sheet
Normalized · VerifiedFees
Joining FeeFree
Annual FeeFree(waived ≥ ₹0)
Min Monthly Income₹25,000
Rewards
Reward TypeCashback
Base Rate1.5%
Point Value₹1/point
Redemption Values
statement credit₹1/pt
Travel & Global
Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone
India-Specific
RuPay UPI✓ UPI cashback
💡 Fee Waiver Strategy
Card is Lifetime Free.
✓ Lifetime Free Card
This card has no annual or renewal fee — ever. No spend targets needed.
🎯 Pro Tips
- ▸Use exclusively for offline UPI payments to maximize the 1.5% return.
- ▸Not ideal for large online purchases where other cards offer 5%.
📊 Spending Scenarios — Real-World Returns
UPI Heavy Spender (₹20k/mo)
Monthly: ₹20,000 · Annual: ₹2,40,000
1.5%
Effective Return
upi: ₹20,000/mo
Annual Rewards Value₹3,600
1.5% cashback on all offline UPI merchant spends.
🔄 Redemption Pathways — Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Statement CreditBEST | ₹1.0/pt | 1000 pts = ₹1000 | Cashback |
🏷️ Best For
shoppingcashback