Defence Forces Credit Cards with Airport Lounge Access Offers in India 2026

Eligibility : This card is exclusively for Indian Navy Personnel

▶︎ 2.50% cashback on travel spends || dining spends || online spends || international spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹20,000 per month, across these categories. Since you can earn a maximum number of 2000 special reward points at this accelerated rate, per monthly card billing cycle.

▶︎ 0.50% basic cashback on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases.1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward point worth 25 paise, on every ₹100 you spend.

▶︎ Complimentary access to airport lounges in India – 3 times per quarter

▶︎ Reduced fee of 2.50% on international transactions
– You get reduced forex mark-up of 2.50% on international card spends (most cards in the industry charge 3.50%). You also get 2.50% benefit on international spends, as described earlier.

▶︎ Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Higher benefit of 2.50% on a variety of spends – travel spends, dining spends, online spends and international spends.
– Complimentary access to airport lounges in India – 3 times per quarter
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on in-store shopping

This card is exclusively for Indian Navy Personnel

3.75% cashback on travel spends, dining spends, online spends and international spends
– You earn 15 reward points worth ₹3.75, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹16,666 per month, across these categories. Since you can earn a maximum number of 2500 special reward points at this accelerated rate, per monthly card billing cycle.

0.75% basic cashback on all other spends
– You earn 3 reward points worth ₹0.75 or 75 paise, on every ₹100 you spend on all other purchases.1 reward point = ₹0.25, and can be redeemed for cashback.
Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1.50 reward point worth 37 paise, on every ₹100 you spend.

Unlimited complimentary access to airport lounges in India

Reduced fee of 2% on international transactions

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Higher benefit of 3.75% on a variety of spends – travel spends, dining spends, online spends and international spends.
– Unlimited complimentary access to airport lounges in India.
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on in-store (face-to-face) shopping

Exclusively for Indian Defence Personnel : Personalised card, with shades of the Indian Tricolour.

Card is virtually lifetime free at ₹40,000 annual card spend 
- Annual fee is not charged from the 2nd year onwards, if you spend ₹40,000 or more in the previous year.
- Hence the card is virtually free, if you spend ₹40,000 or more in the previous year.

Complimentary domestic airport lounge access – 2 times per quarter

Dining benefits via EazyDiner (Dining Delights program)
– This offer can be redeemed once every month.
– 15% discount at restaurants, upto ₹500 per month
– Minimum order amount of ₹2,500 required to avail discount
Hence you get a 15% discount on an order between ₹2500 and ₹3333, once per month. On orders above ₹3333, your discount percentage will fall below 15%

0.80% benefit on all card spends : You earn 4 EDGE reward point worth ₹0.80 or 80 paise , on every ₹100 you spend on all purchases.
– 1 EDGE reward point = ₹0.20 or 20 paise.
– No rewards will be earned on fuel spends.

Fuel surcharge waiver : You get 1% fuel surcharge waiver –
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases of upto ₹40000 per month (since the maximum waiver amount is restricted to ₹400 per monthly card statement cycle)

Benefits
– Personalised card , with shades of the Indian Tricolour.
– Complimentary domestic airport lounge access – 2 times per quarter.

Drawbacks to consider
– The reward rate on card spending is low.

Lifetime free card, exclusively for Assam Rifles Personnel

2.50% cashback on department store and grocery purchases – on purchases upto ₹10,000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions:
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Indian Coast Guards Personnel

2.50% cashback on department store and grocery purchases
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

Fuel surcharge waiver 
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Indian Army Personnel

2.50% cashback on department store and grocery purchases
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on total purchases upto ₹10,000 spends per month, across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card statement cycle.

0.50% cashback on all other card spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

1% fuel surcharge waiver at all fuel stations across India 
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

2.50% benefit on canteen stores departments (CSD) purchases || grocery purchases || department store purchases (5X)
– You get 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– This is valid only on total monthly purchases upto ₹10,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.50% benefit on all other card spends (X)
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.
– Note : No reward points are given on fuel purchases, utility bills, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal Loan on credit card fees and other charges.

Complimentary international airport lounge access – 2 times per year

Complimentary domestic airport lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary domestic railway lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary golf rounds, upto 4 rounds per month
– You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
– Upto a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

Complimentary insurance benefits
– Personal accident insurance of ₹2 lakh
– Air accident cover of ₹20 lakhs

Benefits
– Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
– Higher benefit of 2.50% on various types of shopping purchases including canteen stores departments (CSD) purchases. And also on grocery and department store purchases
– Complimentary international airport lounge access (2 times per year)
– Complimentary domestic airport lounge access (2 times per quarter)
– Complimentary domestic railway lounge access (2 times per quarter)
– Complimentary golf rounds, upto 4 rounds per month

Drawbacks to consider
– The reward rate on non-shopping spends like travel, fuel etc is low

Lifetime free card, exclusively for Indian Defence and Paramilitary personnel

1.25% benefit on canteen stores departments (CSD) purchases || grocery purchases || department store purchases (5X)
– You get 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– This is valid only on total monthly purchases upto ₹20,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.25% benefit on all other spends (X)
– You earn 1 reward points worth ₹0.25 (25 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.
– Note : No reward points are given on fuel purchases, utility bills, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal Loan on credit card fees and other charges.

Complimentary domestic airport lounge access – 1 time per quarter

Complimentary insurance benefits
– Personal accident insurance of ₹2 lakh
– Air accident cover of ₹20 lakhs

Fuel surcharge waiver, upto 250 per month : You get a 1% waiver fuel surcharge waiver-
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹25000 per month (since the waiver amount is limited to ₹250 per month)

Benefits
– Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
– Higher benefit of 1.25% on various types of shopping purchases including canteen stores departments (CSD) purchases. And also on grocery and department store purchases
– Complimentary domestic airport lounge access – 1 time per quarter

Drawbacks to consider
– Reward rates on card spending are comparatively low.