lifetime-free
BOI RuPay Swadhan Platinum Credit Card
Lifetime-free secured card issued against FD, ideal for building credit history from scratch.
Annual Fee
₹0 (Lifetime-free, secured against FD)
Rewards
2X RP on POS/e-commerce
Lounge Access
No (chargeable)
Fuel Waiver
1%
Milestone
None
Best For
First-time users and credit builders
Welcome Offer
-
Type
Secured/Lifetime-Free
Description
A secured, lifetime-free RuPay card issued against a fixed deposit, earning 2X reward points on POS and e-commerce transactions. No joining, annual, or replacement fees. Lower interest rate (1.20%/month) than unsecured cards since it's FD-backed. Cash withdrawal capped at 50% of the spending limit (max ₹15,000/day). Includes a 1% fuel surcharge waiver and 3% forex markup. No lounge access. Welcome offer: 100 bonus points on ₹3,000 spend within 30 days.
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