IDFC FIRST Bank
ReviewedIDFC FIRST Select
Lifetime free with never-expiring points and a 10x rate above ₹20,000 monthly spend.
Up to 10x reward pointsLounge access
Annual fee
Lifetime free
IndusInd Bank · RuPay
IndusInd Samman RuPay
Designed for government staff, lifetime free, and it earns on UPI transactions.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Lifetime free — no joining or annual fee.
- No spend condition to keep the card active.
- Headline earn rate: 1 pt per ₹100 on UPI too.
- Includes complimentary airport lounge access (visit counts vary by tier and spend).
Also worth comparing for government employees
Canara Bank
Data verifiedCanara Bank RuPay Select
RuPay Select benefits include lounge visits, gym offers and rewards on UPI spend.
2 pts per ₹100 incl. UPILounge access
Annual fee
₹500 + GST
Bank of India
Data verifiedBank of India RuPay Platinum
Lifetime-free RuPay card that lets you pay by UPI and still earn points.
1 pt per ₹100 incl. UPI
Annual fee
Lifetime free
Ready to apply for the IndusInd Samman RuPay?
Takes under a minute. We hand you off to IndusInd Bank's official secure application — no middlemen, no data resold.