What's good
- Reward points never expire — accumulate without pressure
- No joining or annual fee ever
- Welcome benefits worth up to ₹1,500 (₹500 voucher on ₹5K spend + up to ₹1,000 cashback on first EMI)
Watch out for
- Railway lounge access only (not airport) — requires ₹20,000 spend in the previous month, 4 visits per quarter
- High ₹20,000 spend required to unlock the 10X multiplier tier
Who should pick this card?
Best suited for someone focused on first-time earners.
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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