What's good
- Lifetime free with no annual charges ever
- Reward points never expire
- Domestic lounge access available
Watch out for
- Lounge access requires ₹20,000 spend in the previous calendar month
- 10X multiplier only activates after spending ₹20,000 in a billing cycle
- Tiered reward calculation is complex to track
- Reward earning base revised from ₹150 to ₹200 per point (devaluation)
Who should pick this card?
Best suited for someone focused on high volume spenders.
This sits in the Grocery & Retail category — Higher rewards on supermarkets, department stores, and local shopping. Best for in-store spenders.
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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