What's good
- Lifetime free base card — zero fixed annual cost
- Fully customisable: swap lounge access, OTT subscriptions, dining cashback, or category rewards every 90 days
- No commitment to benefits you will not use — pay only for what you activate
- Available features include 5% cashback on online/grocery (₹149–₹299/qtr), lounge access (₹199–₹299/qtr), bundled OTT memberships
Watch out for
- Base reward rate of 0.25% is poor — card has no value without activated features
- Activating 2–3 features costs ₹600–₹1,000/quarter (up to ₹4,000/year), potentially exceeding a flat annual fee card
- Requires active management in the AU 0101 app — auto-renewals can catch users off-guard
- ₹99 + GST redemption fee per transaction; 3.49% forex markup — not for international use
Who should pick this card?
Best suited for someone focused on variable spenders who want quarterly flexibility.
This sits in the Lifetime Free category — Zero annual or joining fee — ever. Great starter cards with no cost of ownership.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
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