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ESAF Small Finance Bank
ESAF Small Finance Bank INORI RuPay Platinum Credit Card
RuPay
ESAF Small Finance Bank INORI RuPay Platinum Credit Card
ESAF Small Finance Bank's INORI RuPay Platinum, developed with NPCI, is a lifetime-free credit card offering flat cashback and accident insurance for everyday spenders.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1.25% base rate
Benefits by category
- 🏨 Hotel
Concierge services for travel bookings, hotel reservations, and personalized consultancy
- 🛡️ Insurance
Personal Accident Insurance and Permanent Disability cover up to ₹2 lakh
Eligibility
- 0
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- Personal Accident Insurance and Permanent Disability cover up to ₹2 lakh
- Concierge services for travel bookings, hotel reservations, and personalized consultancy
- Flat 1.25% cashback on all bill amounts
Pros
- + Zero joining and annual fee
- + Simple flat 1.25% cashback on all spends
- + Includes personal accident insurance
- + RuPay network supports UPI linking
Cons
- − Limited disclosed detail on forex markup and credit limit
- − No accelerated category rewards
- − Newer, limited-market issuer