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✓ 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%
Point Value₹1/point
Category Multipliers
pay 1 35%
Redemption Values
statement credit₹1/pt
Travel & Global
Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone
Similar Cards
💡 Fee Waiver Strategy
Lifetime Free. No conditions.
✓ Lifetime Free Card
This card has no annual or renewal fee - ever. No spend targets needed.
🎯 Pro Tips
- ▸Unique Pay 1/3 feature splits any purchase into 3 months at 0% interest automatically.
- ▸Effectively 5% cashback if you always use Pay 1/3 (since you earn on total, pay over 3 months).
- ▸Approved via app - no branch visit needed. Good for freelancers.
📊 Spending Scenarios - Real-World Returns
Moderate Spender (₹25k/mo)
Monthly: ₹25,000 · Annual: ₹3,00,000
1%
Effective Return
shopping: ₹10,000/modining: ₹5,000/moother: ₹10,000/mo
Annual Rewards Value₹3,000
1% flat cashback on all spend. Pay 1/3 feature provides additional cash flow benefit.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Direct CashbackBEST | ₹1.00 | 1% of spend auto-credited | Everyone |
🏷️ Best For
cashbackfirst-card