Eligible spend
1 points per ₹100 on eligible spend
AU VISA
LIT
Should you get this?
Conditional fit
Trade-off
No fuel surcharge waiver is available on this card.
Annual fee ₹0 no annual fee currently listed
Rewards 1 pt / ₹100
Lounge access 0 no lounge
Forex markup 3.49% high
Compare with Axis Bank ACE →
Closest alternative from the same pricing or usage lane.
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1 pt / ₹100Credited as reward pointsNot stated
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Realisation
Credited as reward points
Reported reward terms
Evidence · not used in rates or comparisonsReported category terms
- Online
- 5 points per ₹150Domestic & international
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Costs & fees
Reported but unverified
Evidence · not used as this card's figures- Renewal fee
- ₹500Reported by secondary sources · verify with issuer · 1 source
Evidence only · excluded from decisions
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ~500 pts/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
- We can estimate the points earned, but not a verified ₹ value yet.
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
- International (cardholder)
- Not included on base card Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
Rewards
- Points per ₹100
- 1 points per ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹0
- Joining fee
- ₹0 · verified 7 Jul 2026
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.49%
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
Travel & perks
Fuel Benefits
At the pump- No fuel surcharge waiver is available on this card.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹0.
- Forex markup currently listed at 3.49%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.49%, so frequent international spends may be costly.
Is the annual fee easy to recover?
No joining, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Forex markup bands
0% vs 3.5% — which cards publish what - Cashback vs points
When simple cash beats flashy miles