Should you get this?
Strong fit
Why this card
- Forex markup is listed as 0%.
- You want a lifetime-free card.
Trade-off
No material trade-off is resolved yet; verify issuer terms before applying.
Annual fee ₹0 no annual fee currently listed
Forex markup 0% zero forex
Compare with HSBC India Live+ →
Similar low-forex profile
Rewards
Reward reality — the earning-rate detail behind the numbers above
Costs & fees
Eligibility
Applicant class · age · income- Card type
- Secured, FD-backed
- Minimum fixed deposit
- ₹5,000
Watch outs
Before choosing this card- Lounge access not verified.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Base earn unclear — verify on issuer site
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Lounge access not verified
Fees & charges
Fees
- Monthly interest rate
- 3% / month
- Annual fee
- ₹0
- Joining fee
- ₹0
- Interest-free period
- Up to 45 days
International Use
- Forex markup
- 0%
Issuer documented · single source · verify on issuer site
Where to verify
- Issuer site (verify current terms)
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%.
- Lounge access not verified.
Common questions
From verified card factsIs this good for lounge access?
Lounge access is not fully verified. Check issuer terms before relying on this card for lounge access.
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