Welcome Benefits :- 

• You get a gift voucher worth ₹500 as an introductory benefit on spending ₹5,000 or above within 30 days of card issuance.

• Also, you get a 5% cashback on EMI transactions up to ₹1,000 within 30 days of card issuance using this credit card.

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Rewards & Benefits :- 

Movie & Dining

“Buy One Get One” offer on movie tickets up to Rs. 125 while booking with the Paytm app & up to 20% discount on dining at over 1500 restaurants.

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Rewards Rate

3 Reward Points/₹150 Upto Spends of ₹20,000 and 10 Reward Points/₹150 on Spends Above ₹20,000

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Reward Redemption

1 Reward point = ₹0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.

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Travel 

Complimentary 4 Railway Lounge Access Per Quarter

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Domestic Lounge Access

2 Complimentary Domestic Airport Lounge Access Every Quarter (8 Each Year)

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

NA

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Rewards Redemption Fee

Rs. 99 for every redemption request that you place.

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Foreign Currency Markup

1.99% 

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Interest Rates

Ranges between 0.75% to 3.5% per month based upon the credit history of the individual

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Fuel Surcharge

1% surcharge waived on all fuel purchases at all petrol pumps across India subject to a maximum amount of Rs. 300.

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Cash Advance Charges

Rs. 199 per transaction

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Product Details :- 

• Gift vouchers worth ₹500 and 5% cashback on EMI transactions as a welcome benefit.

• 10x Rewards for every ₹150 spent on purchases above ₹20,000.

• 10x RPs on every ₹150 spent on your birthdays.

• 3x Rewards on every ₹150 spent on purchases up to ₹20,000

• Low interest rate (0.75% – 2.99%) and low foreign currency markup (1.5%)

• Complimentary railways and airport lounge access every quarter.

• Air accident cover worth ₹1 crore and Personal Accident Cover worth ₹5,00,000

• Lost card liability covers worth ₹50,000

• 1% fuel surcharge waived on all fuel purchases

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Pros/Cons :-

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Pros

• This is a lifetime free credit card without any joining or renewal charges.

Cons

•  There isn’t any complimentary international lounge access provided with this card.