Virtual Lifetime Free RuPay Credit Card with UPI support. Earn rewards on UPI merchant payments, online/e-commerce, and international transactions. Utility spends earn rewards up to ₹35,000 per cycle.
Data completeness: 100% · Last verified: 06 Jul 2026
All fees shown base + 18% GST (India card fees legally attract GST).
No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.
| Category | Type | Rate | Cap | Notes |
|---|---|---|---|---|
| utilities | points | 0.30%(3 pts @ ₹0.10) | ₹35,000 / monthly | Earns rewards on utility spends up to ₹35,000 per statement cycle. |
| all_spends | points | 0.30%(3 pts @ ₹0.10) | — | Retail transactions made online or at POS terminals in India |
| travel | points | 0.30%(3 pts @ ₹0.10) | — | — |
| online_spends | points | 0.30%(3 pts @ ₹0.10) | — | 3 Reward Points per ₹100 spent on eligible merchant UPI payments |
| fuel | points | 0.00%(0 pts @ ₹0.25) | — | Restricted category |