What's in it for me?
A clean view of the terms worth comparing.
Lifetime Free Credit Card with various reward points on spending.
01
Rewards and useful benefits
Lifetime Free Credit Card with various reward points on spending.
- 10X Reward Points on Dining, Travel and International purchases
- 3X Reward Points on eligible spends up to ₹20,000
- 1X Reward Points on Utility Payments
- No Joining Fee
- No Annual Fee
- Instant EMI conversion for all online transactions
- Free trip cancellation cover up to ₹10,000
- Complimentary airport lounge access
- Over 300+ merchant offers
- 24/7 Roadside assistance
- Comprehensive travel insurance
02
Fees and renewal
- Joining
- ₹0 + GST
- Annual
- ₹0 + GST
- Waiver
- Lifetime Free
03
Published eligibility
- Income
- Annual income of ₹12 lakhs or more
04
Four lines to check before you apply
- The joining fee, annual fee, GST and the exact annual-fee waiver rule.
- The reward value after redemption—not just the number of points earned.
- Monthly caps, excluded merchant categories and whether UPI transactions qualify.
- Your eligibility, the final application offer and the issuer’s current terms.