What's good
- Truly lifetime free — no annual or joining fee
- 2 international lounge visits/year via Priority Pass + 2 domestic visits/quarter
- Low 1.5% forex markup (vs the standard 3.5%) for occasional foreign spends
- 1 free movie ticket every 6 months on BookMyShow + 1 golf game per quarter
Watch out for
- Minimum income criteria — ₹6L p.a. salaried / ₹8L self-employed; 750+ credit score expected
- Reward rate is tiered: only 1 RP per ₹100 (0.4%) on first ₹1L annual spend — the 6X rate unlocks after ₹5L
- 1.5% forex still beats standard cards but lags zero-forex options like IDFC Wow or Scapia
- Reward Point value is ₹0.40 each — middling redemption value vs cashback cards
Who should pick this card?
Best suited for someone focused on lifetime-free travel & lounge.
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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