Verified value
₹0.25 per point
Catalogue
Should you get this?
Strong fit
Why this card
- Forex markup is listed as 0%.
- You want a lifetime-free card.
Trade-off
Verify current lounge list
Annual fee ₹0 no annual fee currently listed
Rewards 2 pts / ₹100 on domestic spend
Lounge access 0 no lounge
Forex markup 0% zero forex
Compare with HSBC India Live+ →
Similar low-forex profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
Domestic spend2 pts / ₹100Credited as reward pointsNot stated
Redemption value
What a Reward Point is worth
- Catalogue₹0.25 / pt
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getBase earn
2 points per ₹100 (~0.5% base (conservative redemption))
Reported reward terms
Evidence · not used in rates or comparisonsReported category terms
- General
- 0.5 points per ₹100
- Online
- 12 points per ₹150Domestic & international
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Costs & fees
Eligibility
Applicant class · age · income- Card type
- Secured, FD-backed
- Minimum fixed deposit
- ₹20,000
Reported but unverified
Evidence · not used as this card's figures- Renewal fee
- ₹0Reported 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 ~1,000 pts/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
- Worth ~₹250 at the conservative redemption floor
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)
- 4 per year
Issuer documented · single source · verify on issuer site
Where to verify
- IDFC official page
Rewards
- Points per ₹100
- 2 points per ₹100 · verified 4 Oct 2026 value depends on redemption
- Effective return (honest floor)
- ~0.5% base (conservative redemption) Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.25 per Reward Point (Catalogue) Issuer headline channel — full channel grid in Redemption value.
- Point validity
- Points expire 2 years after earning
Fees & charges
Fees
- Annual fee
- ₹0
- Joining fee
- ₹0
International Use
- Forex markup
- 0%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- IDFC official page
- CardInsider
- PaisaBazaar
- BankBazaar
- Issuer site (verify current terms) , opens external site
Travel & perks
Fuel Benefits
At the pumpNo verified fuel benefit available.
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 0%.
- No complimentary lounge access · 4 per year international.
Common questions
From verified card factsIs this good for lounge access?
No complimentary lounge access. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 0%, which can be useful for international spends if the annual fee and usage pattern still make sense.
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.
- Forex markup
Why 3.5% can erase travel rewards - How reward rate works
Pts / ₹100 without the marketing fog - Cashback vs points
When simple cash beats flashy miles