App-only travel earning and transaction rounding need channel-specific calculation; estimate withheld.
Use app travel redemption at ₹0.20 per coin; generic travel-category acceleration is not modeled
Domestic lounge: ₹20,000 billing-cycle spend; activation 3–5 working days after billing date
Latest change: Observed agreement correction; no inferred policy effective date
For International travelers who want a no-fee travel card. Reward estimate withheld; review model limits. No annual fee. Lounge rule: ₹20,000 / billing cycle.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
International travelers who want a no-fee travel card
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Ultra-high spend users focused on premium travel and concierge access
Premium users wanting Amex travel and lifestyle experience
Axis Burgundy users who optimize premium travel redemptions
Annual value is withheld. Review the available earning rules and source limitations before choosing a redemption route.
No annual fee.
This card is lifetime free.
Model limits
Value estimate unavailable: fee or benefit evidence needs review. Check listed issuer sources before applying.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
Use the optimizer below for redemption math.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
27 domestic • 21 international policy count
Card-level policy notes: • Domestic lounge: ₹20,000 billing-cycle spend; activation 3–5 working days after billing date. • Lounge terms conflict on combined Visa/RuPay spending; confirm variant eligibility in app. • Lounge entry needs Scapia-app QR, airport location access and matching boarding pass; guests pay operator rates. • Zero forex markup on international transactions Policy override notes: • Domestic lounge: ₹20,000 billing-cycle spend; activation 3–5 working days after billing date. • Lounge terms conflict on combined Visa/RuPay spending; confirm variant eligibility in app. • Lounge entry needs Scapia-app QR, airport location access and matching boarding pass; guests pay operator rates. • ₹20,000 per billing cycle; combined-variant wording conflicts with variant-specific restriction. Confirm app eligibility. • Unlimited domestic access activates 3–5 working days after billing date; maintain monthly activity. • Only eligible cardholder enters free; guests pay operator rates. • Reviewed Scapia agreement covers participating lounges in India; no complimentary overseas Priority Pass entitlement established. - Source file: Scapia/Federal lounge list PDF. - Lounge list can change; verify latest list in issuer app before travel. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.