What's good
- 0% Forex Markup — saves ₹3,500+ on every lakh spent abroad
- FD-backed with guaranteed approval
- No minimum income criteria required
- 3X reward points (~0.75% effective) on regular spends — 3 RP per ₹150 outside fuel/EMI/wallet
Watch out for
- Credit limit is 100% tied to the FD amount blocked
- Requires locking funds in a fixed deposit
- Does not waive international ATM withdrawal charges
Who should pick this card?
Best suited for someone focused on international trips.
This sits in the Travel category — Earn air miles, hotel points, and get lounge access. Ideal for frequent flyers and business travellers.
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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