Welcome bonus
₹500 gift voucher on spending ₹5,000 within 30 days; 5% cashback (up to ₹1,000) on EMI transactions in first 30 days
👍 Pros
- ✓ Lifetime free with no annual fee
- ✓ Low 1.99% forex markup
- ✓ Never-expiring reward points
👎 Cons
- ✕ Lounge access needs ₹20,000 monthly spend
- ✕ Low base reward rate below ₹20K/month
- ✕ Reward base devalued to ₹200/point in 2026