We’re inviting you to build India’s best RuPay credit card.
Do you want it to be lifetime free?
Do you want more cashback? Discount on bills?
Maybe you’d also want a unicorn or a complimentary Lamborghini as a welcome gift.
A complimentary Swift or Altroz is a more practical welcome gift. Most people can use that car. If they don’t want it, it’s much easier to sell it in the secondary market.
(I know; this reply is not adding any value. But I had to tell how impractical Lambos tend to be. )
No CIBIL Required (FD-Backed / Alternative Scoring)
Exceptional Rewards & Savings:
Flat 5-10% Cashback on Various Categories
1.5%-2% Flat Cashback on All Other Spends
Welcome Bonus with Low Spend Threshold
Enhanced Convenience & Accessibility:
Seamless UPI Integration (Credit on UPI)
Widest Domestic Acceptance
Contactless Payment (Tap & Pay)
Virtual Card Instant Issuance
EMI Conversion Options
ATM Cash Withdrawal at 0% Interest (Limited Period)
Premium Benefits (Even for entry-level cards):
Complimentary Domestic Lounge Access
Complimentary Railway Lounge Access
Personal Accident and Purchase Protection Insurance
Fraud Protection & Zero Liability
Exclusive Merchant-Specific Discounts
Transparency & Simplicity:
Clear and Simple Fee Structure
Intuitive Mobile App for Management
Proactive Alerts & Notifications
Additional Desired Features:
Flexible Reward Redemption: Points convertible to:
Hotels & Flights
Cash Credit to Statement
Digital Gold
Bill Payments
Gift Cards (across major brands)
Donations to Charities
Dynamic Spends Tracker & Budgeting Tools: In-app features for categorizing expenses, setting budgets, and visualizing spending patterns.
Personalized Offers & Promotions: AI-driven offers based on spending habits and preferences.
Gamified Rewards & Milestones: Earning badges, unlocking higher reward tiers, or receiving bonus points for reaching spending milestones.
Virtual Card Customization: Ability to generate multiple virtual cards for different online merchants for enhanced security, with individual spending limits.
Financial Wellness Integration: Access to credit score tracking, financial literacy resources, and savings goal features within the app.
Priority Customer Service: Dedicated and expedited support channels (e.g., chat, call) for premium cardholders.
Global Acceptance via Alliance: Strong tie-ups with international networks (e.g., Discover, JCB) for seamless global usage without exorbitant conversion fees.
“Freeze/Unfreeze” Card Option: Instant control over card usage for security.
Temporary Limit Increase Option: Ability to request a temporary increase in credit limit for specific large purchases via the app.