What's good
- FD-backed — no credit history or income proof required; near-guaranteed approval
- 0.99% forex markup on international transactions — best-in-class for a secured/starter card
- 2 domestic lounge visits/quarter + 2 railway lounge visits/quarter
- Builds CIBIL score over time — ideal first step toward premium cards
- 500 welcome RP + quarterly milestones (500 RP at ₹25K, +500 RP at ₹50K spend)
Watch out for
- Requires locking ₹10,000+ in a fixed deposit with AU Bank — opportunity cost
- Very low earn rate (0.5% effective) — purely a credit-building, not a rewards card
- Domestic lounge access requires ₹50,000 spend in the previous quarter (raised from ₹20K in April 2026)
- Zero rewards on fuel, rent, EMI, education, government, and BBPS payments
Who should pick this card?
Best suited for someone focused on credit builders & first-time applicants.
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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