Secured FD-Backed Card

* 100% credit limit = FD value (min ₹20,000, ₹25,000 for NRIs) 

* Can increase the limit by opening additional FDs 

Lifetime-Free & Hassle-Free

* No joining or annual fees

* No income proof or credit history needed; ideal for students, first-jobbers, homemakers, NRIs, etc. 

Attractive Rewards & Offers

* 4× Reward Points (1 RP per ₹150; 1 RP = ₹0.25) on most spends 

* 1× Rewards on insurance & utility payments; no points on fuel, EMIs, cash withdrawals 

* Rewards never expire; redeemable anywhere =

Travel & Forex Friendly

* Zero forex markup on international spends—online & offline

* Zero interest on overseas ATM cash withdrawals for up to 45–48 days (₹199 + GST fee per transaction) 

🎯 Who Should Consider It?

* First-time credit users or those without a credit history.

* Frequent travellers or those making international purchases.

* People wanting a credit limit without credit/income proof.

* Anyone seeking a no-fee, feature-rich secured credit card.