HSBC-bank

A lifetime free RuPay card that earns points on UPI and converts them into airline miles. Here is who it suits.

No fees ever, 2 points per ₹150 and instant transfers to 20 airline and hotel partners, but no lounge access.

10% cashback on dining, food delivery, groceries and bills up to ₹1,200 a month, plus 1.5% uncapped on most other spends.

Double points on flights and forex, 1:1 instant transfers to air miles and 10 lounge visits a year, but a full 3.5% forex markup.