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AmpliFi

Annual Fee

FREE

Rewards/₹100

₹1.00 - ₹5.00

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

750+

At a Glance

Key Benefits

3% on 20+ brands, 0% forex, Rs 4,250 welcome benefits

Lounge Access

1 domestic lounge per quarter

Eligibility

Salaried: Rs 50,000+/month, Age: 21-60, CIBIL: 750+

Quick Details

Annual Fee
FREE #1
Joining Fee
₹2,000 #223
Interest Rate
42.00% p.a. #108
Forex Markup
0.00% #1
Rewards/₹100
₹1.00 - ₹5.00 #49
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
4/year #61
Min Credit Score
750+ #186
Min Monthly Income ₹50
Network VISA
Card Replacement Fee 200
Late Payment Fee ₹750
Over Limit Fee ₹500 2.50% (min ₹500)
Cash Advance Fee ₹500 2.50% (min ₹500)
Card Replacement Fee ₹200
Fee Waiver on Spend ₹2,50,000/yr

Reward Structure

Base

All Spends

₹1.00 /₹100
Partner

Top 20+ Brands (Amazon, Flipkart, Swiggy, BigBasket, Myntra, Ola, Uber, Dmart, Cleartrip)

₹3.00 /₹100
Accel

Rs 4 Lakh Annual Spend Tier

₹5.00 /₹100

Reward Calculator

Allocate by Category 100%
Top 20+ Brands (Amazon, Flipkart, Swiggy, BigBasket, Myntra, Ola, Uber, Dmart, Cleartrip)
3.0 pts
50% ₹0
Rs 4 Lakh Annual Spend Tier
5.0 pts
30% ₹0
Other Spends
1.0 pts
20% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

Activation benefits worth Rs 4,250 including Zomato Rs 1000, Uber Rs 500, Myntra Rs 1000, SonyLiv Rs 999, Croma Rs 750.

₹4,250

value

Renewal Benefit

Annual fee waived on Rs 2.5 lakhs annual spend.

Spend ₹2,50,000 within 365 days

₹2,000

value

Airport Lounge Access

Domestic Free
4

visits per year

1 lounge visit per calendar quarter on meeting card activity criteria.

Insurance Coverage

Lost Card

₹0

Zero liability for lost card transactions when reported within 3 days.

Fraud

₹0

Zero liability for unauthorized transactions when reported immediately.

Quick Analysis

The AmpliFi is a straightforward lifetime free credit card from Fi Money. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.

Pros

  • Lifetime free - no annual or joining fee
  • Annual fee waiver on spending ₹250000
  • Contactless payment enabled for quick transactions
  • Easy EMI conversion facility available

Cons

  • Limited lounge access (4 visits per year)
  • High interest rate of 42.00% on revolving credit

Best For

Shoppers who spend on top lifestyle brands and make international transactions

Not Ideal For

Those who prefer cashback over points or have low monthly spends

Frequently Asked Questions

What is the AmpliFi credit card joining fee?
The joining fee is Rs 2,000. You get activation benefits worth Rs 4,250 including Zomato, Uber, Myntra, SonyLiv, and Croma vouchers.
What rewards does AmpliFi offer?
AmpliFi offers 3% value back on 20+ top brands including Amazon, Flipkart, Swiggy, BigBasket, Myntra, Ola, Uber, Dmart, and Cleartrip. You get 5% value back if you spend Rs 4 lakhs annually.
Does AmpliFi have forex markup?
No, AmpliFi has 0% forex markup on international transactions, making it excellent for foreign spends and travel.
How can I get the annual fee waived?
The renewal fee is waived if you spend Rs 2.5 lakhs in the previous year.
Does AmpliFi offer lounge access?
Yes, you get 1 complimentary domestic lounge visit per calendar quarter when you meet the card activity criteria.

User Reviews

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