Lifetime Free (No Annual Fee) Credit Cards with Airport Lounge Access Offers in India 2026

₹120 discount (upto 24% per order) on Swiggy - twice a month
– You can avail this discount 2 times a month
– You get ₹120 discount, on orders of ₹500 and above, twice a month
– You need to use coupon code AXIS120 , to claim the offer

BOGO (Buy One Get One) offer on Paytm Movies - upto ₹200 per month

Upto ₹1000 discount at Ajio
– You get upto ₹1000 discount at Ajio, on a minimum order amount of ₹2999
– Discount is only applicable on a selected list of products.

Complimentary domestic airport lounge access – once a quarter

Dining benefits (Dining Delights program) : 15% discount at restaurants, in partnership with EazyDiner
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500. Minimum order amount of ₹2,500.
– Hence you get a 15% discount on an order between ₹2,500 and ₹3,333. On orders above ₹3,333, your discount% will be below 15%, since maximum discount is fixed at ₹500.

0.40% benefit on all other card spends : You earn 2 EDGE reward points worth ₹0.40 (40 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s reward redemption platform.
– No rewards are given on movie transactions, fuel spends, insurance spends, EMI transactions, wallet-loading transactions, utility payments, payment to government institutions & educational institutions, rental payments, rental brokerage.

Fuel surcharge waiver, upto ₹400 per month : 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
– Good discounts at select partners – Ajio, Swiggy, Paytm Movies, EazyDiner.
– Complimentary domestic airport lounge access (once per quarter) and complimentary SonyLiv subscription

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

Exclusively designed card for ICMAI members : All eligible & active members of ICMAI are eligible, subject to credit policy of BOB.

Lifetime free card
– The card has no annual fee, it is a lifetime free card.
– Welcome offers : You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

1.25% cashback on ‘online spends’, dining spends and utility bill payments
– You earn 5 reward point worth ₹1.25, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed as cashback.

0.25% cashback on all other card spends
- You earn 1 reward point worth ₹0.25, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed as cashback.
– Exceptions-
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.50 reward point worth 12 paise, on every ₹100 you spend.

Milestone benefits : You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

Complimentary access to airport lounges in India – 3 per quarter

Reduced fee of 2% on international credit card 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 spends upto ₹25,000 per month, since the maximum waiver is limited to ₹250 per monthly card statement cycle

Complimentary insurance benefits : You get free insurance covers-
– Professional indemnity insurance cover of ₹5 lakhs
– Air accident death cover of ₹15 lakhs
– Non-air accident death cover of ₹5 lakhs

Benefits
– Lifetime free card, there is no annual fee
– Complimentary domestic airport lounge access (3 per quarter),
– Reduced fee of 2% on international card transactions.

Drawbacks to consider
– You could get higher reward rates on other cards.

▶︎ Exclusively designed card for ICSI members : All eligible & active members of ICSI are eligible, subject to credit policy of BOB.

▶︎ Lifetime free card
– The card has no annual fee, it is a lifetime free card.
– Welcome offers : You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

▶︎ 1.25% cashback on ‘online spends’, dining spends and utility bill payments
– You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card purchases. 1 reward point = ₹0.25, and can be redeemed as cashback.
– Exceptions:
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.50 reward point worth 12 paise, on every ₹100 you spend.

▶︎ Milestone benefits : You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

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

▶︎ Reduced fee of 2% on international credit card 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 spends upto ₹25,000 per month, since the maximum waiver is limited to ₹250 per monthly card statement cycle

▶︎ Complimentary insurance benefits : You get free insurance covers-
– Professional indemnity insurance cover of ₹5 lakhs
– Air accident death cover of ₹15 lakhs
– Non-air accident death cover of ₹5 lakhs

Benefits
– Lifetime free card, there is no annual fee
– Complimentary domestic airport lounge access (3 per quarter)
– Reduced fee of 2% on international card transactions

Drawbacks to consider
– You could get higher rewards on other cards

▶︎ Exclusively designed card for ICAI members : All eligible & active members of ICAI are eligible, subject to credit policy of BOB.

▶︎ Lifetime free card
– The card has no annual fee, it is a lifetime free card.
– Welcome offers : You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

▶︎ 1.25% cashback on ‘online spends’, dining spends and utility bill payments
– You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card purchases. 1 reward point = ₹0.25, and can be redeemed as cashback.
– Exceptions:
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.50 reward point worth 12 paise, on every ₹100 you spend.

▶︎ Milestone benefits : You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

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

▶︎ Reduced fee of 2% on international credit card 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 spends upto ₹25,000 per month, since the maximum waiver is limited to ₹250 per monthly card statement cycle

▶︎ Complimentary insurance benefits : You get free insurance covers-
– Professional indemnity insurance cover of ₹5 lakhs
– Air accident death cover of ₹15 lakhs
– Non-air accident death cover of ₹5 lakhs

Benefits
– Lifetime free card, there is no annual fee
– Complimentary domestic airport lounge access (3 per quarter)
– Reduced fee of 2% on international card transactions

Drawbacks to consider
– You could get higher reward rates on other cards

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.

▶︎ Lifetime free card, with welcome offers
– You get a welcome voucher worth ₹500, on spending ₹5,000 or more within 30 days of card generation.

▶︎ On monthly card spends upto ₹20000 : 1.50% benefit on online spends (6X) || 0.75% benefit on offline spends (3X)
✓ 1.50% benefit on online spends : You earn 6 reward points worth ₹1.50, on every ₹100 you spend
✓ 0.75% benefit on offline spends : You earn 3 reward points worth 75 paise, on every ₹100 you spend
✓ 1 reward point = ₹0.25 or 25 paise
Note :
– You earn no reward points on fuel, EMI transactions & cash withdrawals.
– You earn 0.25% benefit on insurance spends & utility bill payments (1 reward point worth 25 paise, on every ₹100 you spend)
– You earn 0.75% benefit on rental spends (3 reward point worth 75 paise, on every ₹100 you spend)

▶︎ On monthly card spends above ₹20000 and on your birthday : 2.50% benefit on all spends, online as well as offline (10X)
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend
– 1 reward point = ₹0.25 or 25 paise
– Note : rental & property management related spends, insurance spends, and utility bill payment spends are not be a part of 10X reward program and 10X threshold calculations.

▶︎ 0.25% benefit on insurance spends and utility bill payments (X)
– You earn 1 reward point worth 25 paise, on every ₹100 you spend in this category

▶︎ Complimentary golf benefits – upto 2 golf rounds per month
– You get maximum 2 free golf rounds per month (1 free round for every ₹20,000 you spend on your card in the previous month).

▶︎ Complimentary airport lounge (both domestic and international) & domestic airport spa access – total 4 times per quarter
– You need to spend ₹5000 on your card in the previous month, to avail this offer

▶︎ Complimentary railway lounge access – 4 times per quarter

▶︎ Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹1000 per month
– You get upto ₹500 off on the 2nd ticket, on Paytm mobile app.
– This is valid 2 times per month.

▶︎ Fuel surcharge waiver, upto ₹400 per month
– You get a 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹200 & ₹5000, and
– Only on fuel purchases upto ₹40,000 per month (since the waiver amount is capped at ₹400 per monthly card statement cycle).

▶︎ Emergency complimentary roadside assistance (RSA) package worth ₹1399
- You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure.
- You can avail this benefit up to 4 times a year.

▶︎ Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations
– Cancellation cover for 2 claims up to ₹10000, is available for hotel and flight booking cancellations.

▶︎ Complimentary insurance covers
– You get a ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card.
– You receive a ₹10 lakhs personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
– You get a complimentary air accident cover of ₹1 crore
– You get a complimentary travel insurance cover of USD 1200 : Loss of checked-in baggage – USD 500; delay of checked-in baggage – USD 100; loss of passport and other documents – USD 300; delay in flight – USD 300

Benefits
– Premium card offering, with no annual fee (lifetime free card)
– Range of benefits like complimentary airport & railway lounge access, free golf rounds, movie benefits, roadside assistance, complimentary insurance covers.

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

Lifetime free card, with welcome offers
✓ Welcome offers :
– You get a welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.
– You enjoy 5% cashback (up to maximum ₹1000), on the transaction value of your first EMI – completed within 30 days of card generation.

On monthly card spends upto ₹20000 : 1.20% benefit on all online spends (6X) || 0.60% benefit on all offline spends (3X)
✓ 1.20% benefit on online spends : You earn 4.80 reward points worth ₹1.20, on every ₹100 you spend
✓ 0.60% benefit on offline spends and rental spends : You earn 2.40 reward points worth 60 paise, on every ₹100 you spend
✓ 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.
Note :
– You earn no reward points on fuel, EMI transactions & cash withdrawals.
– You earn 0.20% benefit on insurance spends & utility bill payments (0.80 points worth 20 paise, on every ₹100 you spend)
– You earn 0.60% benefit on rental spends (2.40 points worth 60 paise, on every ₹100 you spend)

On monthly card spends above ₹20000 and on your birthday : 2% benefit on all spends, online as well as offline (10X)
– You earn 8 reward points worth ₹2, on every ₹100 you spend in this category
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.
– Note : Rental & property management related spends, insurance spends, and utility bill payment spends are not be a part of 10X reward program and 10X threshold calculations.

0.20% benefit on insurance spends and utility bill payments (X)
– You earn 0.80 reward points worth 20 paise, on every ₹100 you spend
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Complimentary domestic airport lounge access – 4 times per quarter
– You need to spend ₹5000 on your card the previous month, to avail this benefit

Complimentary railway lounge access – 4 times per quarter

Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹500 per month
– You get upto ₹250 off on the 2nd ticket – on Paytm mobile app.
– This is valid 2 times per month.

Fuel surcharge waiver, upto ₹300 per month
– You get a 1% fuel surcharge waiver, at all fuel stations across India
– Only on fuel transactions between ₹200 & ₹5000, and
– Only on fuel purchases upto ₹30,000 per month (since the waiver amount is capped at ₹300 per monthly card statement cycle).

Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations
– Cancellation cover for 2 claims up to ₹10000, is available for hotel and flight booking cancellations.

Complimentary insurance covers
– ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card.
– ₹10 lakhs personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
– Air accident cover of ₹1 crore
– Travel insurance cover of USD 300 : loss of checked-in baggage – USD 100; delay of checked-in baggage – USD 67; loss of passport and other documents – USD 67; delay in flight – USD 67

Benefits
– The card is a good choice for those who value the simplicity of a lifetime free card
– The card offers a range of benefits like complimentary domestic airport & railway lounge access, movie benefits, roadside assistance, complimentary insurance covers.

Drawbacks to consider
– You can get better rewards on card spends on some of the other cards in the marketplace.

No annual fee from the 2nd year onwards

1.9% cashback on online spends (except travel) || 0.75% cashback on offline spends OR
2.50% reward (in terms of Club Vistara Points/InterMiles) on online spends (except travel) || 1% reward (in terms of Club Vistara Points/InterMiles) on all offline spends
– 2.50 rewards points (worth ₹1.87 as cashback or worth 2.50 Club Vistara Points/InterMiles), on every ₹100 you spend on online purchases except travel
– 1 reward point worth (worth ₹0.75 as cashback or worth 1 Club Vistara Points/InterMiles), on every ₹100 you spend on offline purchases
– 1 reward point = ₹0.75, and can be redeemed as cashback into your credit card statement. You can also convert your reward points to Vistara and InterMiles - 1 reward point = 1 Club Vistara Point / 1 InterMile
Please note
– You get 1.50 reward points (worth ₹1.12 as cashback or worth 1.50 Club Vistara Points/InterMiles), on every ₹100 you spend on online travel
– You get 0.70 reward points on every ₹100 you spend in the following categories – utility bills (online and offline), insurance premium, government and education, fees, real estate/rental payments.
– No cashback is given on fuel spends. Call centre transactions and standing instructions are treated as offline spends

Complimentary access to airport lounges in India – 1 per quarter

Complimentary access to airport lounges abroad – 2 per quarter (through Priority Pass program)

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹600 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 3 times per month.

Complimentary golf benefits – 2 free golf rounds per month AND 2 free golf lessons per month

24/7 emergency roadside assistance (Legend Auto Assist)
– Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services)
– This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Total Protect : This covers your card for unauthorised transactions in case of –
– Loss or theft of the card, and
– Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
Protection is upto the credit limit of your credit card.

Air accident cover of ₹25 lakhs

Benefits
– Premium card, with no annual fee from the 2nd year onwards
– Lifestyle benefits such as complimentary airport lounge access both in India and abroad, complimentary golf, movie benefits, emergency roadside assistance, and more

Drawbacks
– You could earn higher reward rates on other premium cards, but which charge an annual fee

Lifetime free card

Co-branded credit card by Tiger Fintech (a Bajaj Capital group company), with IndusInd Bank

Slabwise benefit, depending on level of annual card spend
– On annual card spend upto ₹1 lakh : You earn 1 reward point worth ₹0.40 cashback OR 1.2 airmiles, on every ₹100 you spend
– On annual card spend between ₹1 lakh & ₹2.50 lakh : You earn 2 reward points worth ₹0.80 cashback OR 2.4 airmiles on every ₹100 you spend
– On annual card spend between ₹2.50 lakh & ₹5 lakh : You earn 4 reward points worth ₹1.60 cashback OR 4.8 airmiles, on every ₹100 you spend
– On annual card spend above ₹5 lakhs : You earn 6 reward points worth ₹2.40 cashback OR 7.2 airmiles, on every ₹100 you spend
– 1 reward point = ₹0.40 cashback OR 1.2 airmiles (Club Vistara Points or InterMiles)
– Exceptions : No reward points are given on the following card spends – fuel, utility bill payments, insurance premium, government services, educational Institutes, real estate and rental payments.

Lets take 2 examples to get effective benefit rate :
✔︎ At ₹6 lakhs annual card spend, you would earn a total of 20000 reward points worth ₹8000 as cashback (1.3% benefit), OR 24000 airmiles (4% benefit)
✔︎ At ₹3 lakhs spend, you would earn a total of 6000 reward points worth ₹2400 as cashback (0.8% benefit), OR 7200 airmiles (2.4% benefit)

Complimentary access to airport lounges in India – 2 per quarter (through DreamFolks program)

Complimentary access to airport lounges abroad – 2 per year (through Priority Pass program)

Complimentary golf benefits – 1 free golf round per quarter OR 1 free golf lesson per quarter

1 free movie ticket (upto ₹500), every 6 months – at BookMyShow
– You can get a maximum of 2 free movie tickets per year (upto ₹500 each)

Low fee (forex markup) of 1.50% on international card transactions

24/7 emergency roadside assistance (Legend Auto Assist)
– Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services)
– This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Total Protect : This covers your card for unauthorised transactions in case of –
– Loss or theft of the card, and
– Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
Protection is upto the credit limit of your credit card.

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only

Benefits
– Lifetime free card
– Good benefit rate on card spends, especially at higher annual card spends and if you convert your reward points to Club Vistara Points or InterMiles
– Lifestyle benefits such as complimentary airport lounge access both in India and abroad, complimentary golf, movie benefits, emergency roadside assistance, and more
– Such reward rates and lifestyle benefits, are not easy to find in most lifetime free cards in India

Drawbacks
– You could earn higher reward rates, especially if you choose a card with annual fee

No annual fee from 2nd year onwards

1% cashback on all weekend card spends || 0.50% cashback on all weekday card spends OR 
2% reward (in terms of Club Vistara Points/InterMiles) on all weekend card spends || 1% reward (in terms of Club Vistara Points/InterMiles) on all weekday card spends
– You get 2 rewards points worth ₹1 (as cashback), on every ₹100 you spend on weekends with your card
– You get 1 rewards point worth ₹0.50 or 50 paise (as cashback), on every ₹100 you spend on weekdays with your card
– 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback. You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile.
– Exceptions : You get 0.70 reward points worth ₹0.52 (52 paise), on the following card spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.

Additional benefit, at ₹6 lakhs annual card spend (milestone benefit)
– You get 4000 rewards points worth ₹2000, at ₹6 lakhs yearly card spend
– 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback
(You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile).

Complimentary access to airport lounges in India – 1 per quarter

Free Priority Pass membership worth USD 100 (for international airport lounge access)
– Usage of international lounges is chargeable at USD 32 per visit (please visit the Priority Pass website to view latest lounge visit charges)
– If you are a regular user of international airport lounges, you could enrol for IndusInd Travel Plus program for ₹5000 per year. Under Travel Plus program you do not pay for usage of international airport lounges

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹200 per month
– Buy one ticket and get up to ₹200 off on the second ticket, at BookMyShow.
– This offer is valid 1 time per month.

24/7 emergency roadside assistance (Legend Auto Assist)
– Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services)
– This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Complimentary insurance benefits
✓ Air accident insurance of ₹25 lakhs
✓ Total Protect – this covers your card and add-on cards for unauthorised transactions and counterfeit fraud, till the credit limit of your credit card.
✓ Complimentary travel insurance covers-
- Lost baggage cover of ₹1 lakh
- Delayed baggage cover of ₹25000
- Loss of passport cover of ₹50000
- Lost ticket cover of ₹25000
- Missed connection cover of ₹25000

Low fee of 1.80% on international transactions

Fuel surcharge waiver, upto ₹2400 per year
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only, and
– On fuel purchases upto ₹2.40 lakhs per year, since the waiver amount is restricted to ₹2400 per year
– Some fuel pumps may charge more than 1% surcharge, the yearly waiver would still be capped at ₹2400 in all cases

Benefits
– No annual fee after the 1st year
– Lifestyle benefits including complimentary airport lounge access, emergency roadside assistance, 24X7 concierge services

Drawbacks to consider
– Comparatively low reward rate on card spends

3% benefit on hotel bookings & holiday bookings || 2% benefit on flight bookings – on MakeMyTrip only
– On MakeMyTrip : 3 MyCash Points worth ₹3, on every ₹100 you spend on hotel bookings & holiday bookings || 2 MyCash Points worth ₹2, on every ₹100 you spend on flight bookings
– 1 MyCash Point = ₹1. MyCash Points are available in your MakeMyTrip wallet (MyWallet), and can be used to make travel bookings on MakeMyTrip, or to purchase partner vouchers through MakeMyTrip. MyCash cannot be used for rail bookings, offline holiday bookings and ‘Pay at Hotel’ bookings
– My Cash is valid for 1 year

1.25% benefit on international spends
– You earn 1.25 MyCash Points worth ₹1.25, on every ₹100 you spend on your card outside India. 1 MyCash Point = ₹1.

1% benefit on all other card spends
– You earn 1 MyCash Points worth ₹1, on every 100 you spend on all other card purchases. 1 MyCash Point = ₹1.
– Exception : No rewards are given on fuel spends, cash advances, card fees & charges, EMI transactions, balance transfer (BT), personal loan on cards.

Milestone program – upto 2% additional benefit on MakeMyTrip spends
– 1000 MyCash Points worth ₹1000, at yearly card spend of ₹50,000 on MakeMyTrip (on flights, hotels, or holiday bookings) - 2% benefit
– Additional 1000 MyCash Points worth ₹1000, at yearly card spend of ₹2.50 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings). Hence you could earn a total of 2000 MyCash Points worth ₹2000, at yearly card spend of₹2.50 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings) - 0.80% benefit

Complimentary domestic airport lounge access – 1 time per quarter

Complimentary domestic railway lounge access – 1 time per quarter

25% discount (upto ₹100) on movie tickets at BookMyShow and Inox - 2 times per month
– You can avail this offer 2 times a month at BookMyShow, and 2 times a month at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
– Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver, only on HPCL fuel transactions below ₹4000.

Benefits
– Good starter travel credit card, free from 2nd year onwards
– Complimentary domestic airport lounge access, and complimentary railway lounge access
– Movie benefits

Drawbacks to consider
– Reward earning is restricted to MakeMyTrip platform
– You need to consider other credit cards to earn rewards on non-travel card spends

4% benefit on hotel bookings & holiday bookings || 2% benefit on flight bookings – only on MakeMyTrip
– On MakeMyTrip : 4 MyCash Points worth ₹4, on every ₹100 you spend on hotel & holiday bookings || 2 MyCash Points worth ₹2, on every ₹100 you spend on flight bookings
– 1 MyCash Point = ₹1. MyCash Points are available in your MakeMyTrip wallet (MyWallet), and can be used to make travel bookings on MakeMyTrip, or to purchase partner vouchers through MakeMyTrip. MyCash cannot be used for rail bookings, offline holiday bookings and ‘Pay at Hotel’ bookings
– MyCash Points are valid for 1 year

1.50% benefit on international card spends
– You earn 1.50 MyCash Points worth ₹1.50, on every ₹100 you spend on your card outside India. 1 MyCash Point = ₹1.

1.25% benefit on all other card spends
– You earn 1.25 MyCash Points worth ₹1.25, on every ₹100 you spend on all other card purchases. 1 MyCash Point = ₹1.
– Exceptions : No rewards are given on fuel spends, cash advances, card fees & charges, EMI transactions, balance transfer (BT), personal loan on cards.

Milestone program – upto 1% additional benefit on MakeMyTrip spends
– 1100 My Cash worth ₹1100, at yearly card spend of ₹2.50 lakh on MakeMyTrip (on flights, hotels, or holiday bookings) ~ 0.4% benefit.
– Additional 4000 My Cash worth ₹4000, at yearly card spend of ₹5 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings). Hence you could earn a total of 5100 My Cash worth ₹5100, at yearly card spend of₹5 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings) ~ 1% benefit.

Complimentary domestic airport lounge access – 2 times per quarter

Complimentary domestic railway lounge access – 1 time per quarter

25% discount (upto ₹150) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow.
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

25% discount (upto ₹150) at INOX movie tickets - 2 times per month
– You can avail this offer 2 times a month, at INOX
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver, only on HPCL fuel transactions below ₹4000.

Benefits
– On MakeMyTrip, can earn upto 3% on hotel & holiday bookings, and upto 2% on flight booking (including milestone benefits).
– Complimentary domestic airport lounge (2 times per quarter), and rail lounge access (once per quarter)
– Movie benefits at Inox and Bookmyshow – upto ₹600 per month
– Good card for frequent users of MakeMyTrip

Drawbacks to consider
– Reward earning is restricted to MakeMyTrip platform
– You would need to consider other credit cards to earn rewards on non-travel card spends