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RuPay Star Lakshmi Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of India RuPay Mid

Join / Annual

₹0/₹500

Base Rate

2.0%

Reward Type

Points

Full comprehensive review coming soon.

Eligibility Criteria

Exclusively for female applicants who are Indian residents with a regular income and good credit history.

Features & Benefits

✈️

Airport Lounge Access

8 complimentary domestic lounge visits per year (capped at 2 per quarter) and 2 complimentary international lounge visits per year.

🩺

Annual Health Check-up

Complimentary annual health check-up including Pap Smear, Blood test, and Mammography at SRL or Agilus Diagnostics.

🛍️

Quarterly Lifestyle Vouchers

Get quarterly vouchers for O2 Spa (up to ₹2000), Lakme Salon (₹1500), Nykaa (₹500), and Myntra/Flipkart (₹250).

📺

Complimentary OTT Subscription

One complimentary annual subscription to your choice of Sony LIV, Amazon Prime, or Hotstar.

🛡️

Insurance Cover

Personal Accidental and Permanent Disability insurance cover of up to ₹2 Lakhs, provided by RuPay.

🎁

Welcome Bonus

100 bonus points on card activation, which requires a minimum of two transactions of ₹3,000 each within 30 days of card issuance.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

All Online Spends
Reward: 2.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: Monthly cap of 10,000 points (₹2500) is shared across all spends.
2%
Retail
Reward: 2.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: Applies to Point of Sale (POS) transactions. Monthly cap of 10,000 points (₹2500) is shared across all spends.
2%
UPI Exclusion
⚠️ Exceptions: No rewards on UPI on Credit Card transactions with a value equal to or less than ₹2,000.
Cash Withdrawal Exclusion

Pros & Cons

✓

Pros

  • + All Spends — 2.0% Points (cap ₹2500.0)
  • + Retail — 2.0% Points (cap ₹2500.0)
  • + Airport Lounge Access
  • + Annual Health Check-up
  • + Quarterly Lifestyle Vouchers
  • + Complimentary OTT Subscription
✗

Cons

  • − No reward on UPI — No rewards on UPI on Credit Card transactions with a value e
  • − No reward on Cash Withdrawal
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹500

Net Value

+₹5500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The card has no joining fee. The annual fee is ₹500 + GST. The provided information does not mention any conditions for a fee waiver.

You earn 2 reward points for every ₹100 spent on retail (POS) and e-commerce transactions. Each point is worth ₹0.25. There is a total monthly cap of 10,000 reward points (worth ₹2,500) across all your spending.

The card offers 8 free domestic lounge visits per year (capped at 2 per quarter) and 2 free international lounge visits per year.

No, the RuPay Star Lakshmi Credit Card is specifically designed and available only for women applicants who are Indian residents with a stable income.

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