SpiceJet Axis Bank Voyage Credit Card - Complete Guide
About SpiceJet Axis Bank Voyage Card
The SpiceJet Axis Bank Voyage Credit Card is a co-branded travel credit card designed for frequent SpiceJet flyers. Offering exclusive benefits on flight bookings, this card helps you earn SpiceClub points on everyday spends that can be redeemed for flight tickets, upgrades, and in-flight services. Cardholders enjoy complimentary airport lounge access, priority check-in, and special discounts on SpiceJet bookings. With features like accelerated reward points on flight transactions, milestone benefits, and travel insurance, it's ideal for budget-conscious travelers seeking to maximize their flying experience. The card stands out with its focus on affordable air travel benefits and SpiceJet-specific rewards.
Key Specifications
Feature
Details
Issuing Bank
Axis Bank
Joining Fee
₹1,500 + GST
Renewal Fee
₹1,500 + GST
Annual Waiver
On ₹1.5L+ spends
Reward Rate
5X on SpiceJet
Airport Lounge
4 visits/year
Welcome Benefit
2,500 SpiceClub points
Detailed Features
Card Network: Visa Platinum
Fuel Surcharge Waiver: 1% (min ₹400)
Forex Markup: 3.5%
Travel Insurance: ₹10L coverage
Add-on Cards: 2 Free
EMI Conversion: 1.5% fee
Key Benefits
15% discount on SpiceJet bookings
Extra baggage allowance
Priority boarding privileges
Double points on dining spends
24x7 travel concierge
Complimentary in-flight meals
Rewards Structure
Category
Reward Rate
SpiceJet Bookings
5 pts/₹100
Other Travel
3 pts/₹100
Dining
4 pts/₹100
Other Spends
2 pts/₹100
Redemption: 1 point = ₹0.25 value (SpiceJet redemptions)
⚠️ Disclaimer: This information is for educational purposes only. CreditCardPath.in is not associated with Axis Bank or SpiceJet. Details may change without notice. Always verify information through official channels before applying. We don't guarantee card approval or accuracy of information.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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SpiceJet Axis Bank Voyage Black Credit Card
Published: April 28, 2025By Credit Card Path Editorial
SpiceJet Axis Bank Voyage Black Credit Card - Complete Guide
Card Issuer
Axis Bank
Joining Fee
₹2,500 + GST
Renewal Fee
₹2,500 + GST
Card Category
Co-branded Travel
Rewards Rate
Up to 10 SpiceClub points/₹200
Airport Lounge
8 complimentary accesses/year
Railway Lounge
2 visits/quarter
About Voyage Black Credit Card
The SpiceJet Axis Bank Voyage Black Credit Card is a premium travel card designed for frequent SpiceJet flyers. Offering accelerated SpiceClub points on flight bookings, complimentary upgrades, and exclusive travel benefits. Cardholders enjoy priority check-in, extra baggage allowance, and discounts on in-flight purchases. Perfect for budget-conscious travelers seeking enhanced flight experiences and travel rewards.
Pros: Excellent flight discounts, good lounge access, baggage benefits Cons: Limited international benefits, moderate fees Verdict: 4.2/5 - Best for frequent SpiceJet flyers with 8+ annual flights
Important Disclaimer
⚠️ Information provided is for reference purposes only. Features may change as per bank/airline policies. We are not affiliated with Axis Bank or SpiceJet. Always verify details from official sources before application. Credit approval subject to eligibility criteria.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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Axis Bank Vistara Infinite Credit Card
Published: April 28, 2025By Credit Card Path Editorial
Axis Bank Vistara Infinite Credit Card - Ultimate Guide
About Axis Bank Vistara Infinite Credit Card
The Axis Bank Vistara Infinite Credit Card is India's premium travel credit card designed for frequent flyers and luxury travelers. Offering exclusive Club Vistara privileges, this card provides accelerated CV Points earning, complimentary business class tickets, and unlimited airport lounge access. Cardholders enjoy premium benefits like priority check-in, extra baggage allowance, and exclusive hotel partner discounts. With best-in-class travel insurance coverage and lifestyle privileges, it's perfect for high-net-worth individuals seeking luxury travel experiences. The card stands out with its unique combination of airline-specific benefits and premium Visa Infinite privileges.
Key Specifications
Feature
Details
Issuing Bank
Axis Bank
Joining Fee
₹10,000 + GST
Renewal Fee
₹10,000 + GST
Annual Waiver
On ₹15L+ spends
Reward Rate
6 CV Points/₹200
Airport Lounge
Unlimited Access
Complimentary Ticket
1 Business Class/year
Premium Features
Card Network: Visa Infinite
Fuel Surcharge Waiver: 1% (min ₹500)
Forex Markup: 2%
Travel Insurance: ₹5 Crore
Priority Pass Membership
Add-on Cards: 3 Free
Exclusive Benefits
Annual Business Class Ticket
Unlimited Domestic Lounge Access
25,000 Welcome CV Points
Complimentary Taj Epicure Membership
Personal Travel Concierge
Double CV Points on International Spends
Rewards Structure
Category
Reward Rate
Vistara Bookings
12 CV Points/₹200
International Spends
8 CV Points/₹200
Dining
6 CV Points/₹200
Other Spends
4 CV Points/₹200
Redemption Value: 1 CV Point = ₹1.25-₹1.50 (Vistara redemptions)
⚠️ Disclaimer: This information is for educational purposes only. CreditCardPath.in is not affiliated with Axis Bank or Vistara. Details may change without notice. Always verify information through official bank channels before applying. We don't guarantee card approval or accuracy of information.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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Axis Bank Vistara Signature Credit Card
Published: April 28, 2025By Credit Card Path Editorial
Axis Bank Vistara Signature Credit Card - Complete Review
Card Issuer
Axis Bank
Joining Fee
₹3,000 + GST
Renewal Fee
₹3,000 + GST
Card Category
Premium Travel
Rewards Rate
Up to 10 CV Points/₹200
Airport Lounge
Unlimited Domestic Access
Railway Lounge
4 visits/quarter
About Vistara Signature Credit Card
The Axis Bank Vistara Signature Credit Card is a premium co-branded travel card designed for frequent Vistara flyers. Offering accelerated Club Vistara points on spends, complimentary airline tickets, and priority boarding benefits. Cardholders enjoy premium travel benefits including unlimited airport lounge access, extra baggage allowance, and exclusive Vistara discounts. Perfect for business travelers and aviation enthusiasts seeking enhanced flight experiences.
Pros: Premium flight benefits, accelerated rewards, lounge access Cons: High annual fee, limited non-travel rewards Verdict: 4.5/5 - Ideal for frequent Vistara flyers with 5+ annual flights
Important Disclaimer
⚠️ Information provided is for reference only. Features may change as per bank/airline policies. We are not affiliated with Axis Bank or Vistara. Always verify details from official sources before application. Credit approval subject to eligibility criteria.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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Axis Bank Vistara Credit Card
Published: April 28, 2025By Credit Card Path Editorial
The Axis Bank Vistara Credit Card is a premium travel-focused credit card designed for frequent flyers and Vistara loyalists. Offering exclusive Club Vistara benefits, this card helps you earn CV points on everyday spends that can be redeemed for flight tickets, upgrades, and premium services. Cardholders enjoy complimentary airport lounge access, priority check-in, and exclusive discounts on Vistara bookings. With features like accelerated reward points on Vistara transactions, milestone benefits, and anniversary gifts, it's ideal for travelers seeking to maximize their flying experience. The card's unique proposition lies in its direct integration with Club Vistara's reward program and premium travel privileges.
⚠️ Disclaimer: This information is for educational purposes only. CreditCardPath.in is not associated with Axis Bank or Vistara. Details may change without notice. Always verify information through official channels before applying. We don't guarantee card approval or accuracy of information.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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LIC Axis Bank Platinum Credit Card
Published: April 28, 2025By Credit Card Path Editorial
₹500 + GST (waived if spends exceed ₹1 lakh annually)
Card Category
Co-branded Insurance
Rewards Rate
Up to 5X rewards
Airport Lounge
2 complimentary accesses/year
Railway Lounge
1 visit/quarter
About LIC Platinum Credit Card
The LIC Axis Bank Platinum Credit Card is specially designed for LIC policyholders, offering exclusive benefits on insurance payments and financial services. This co-branded card provides accelerated rewards on LIC premium payments, discounts on policy renewals, and financial security features. Cardholders enjoy comprehensive insurance covers, lifestyle benefits, and easy integration with LIC customer portal for seamless policy management.
Pros: Best for LIC customers, insurance benefits, low fees Cons: Limited general rewards, basic lounge access Verdict: 4.3/5 - Essential for LIC policyholders with annual premium above ₹50,000
Important Disclaimer
⚠️ This information is for educational purposes only. Features may change as per bank/insurer policies. We are not affiliated with Axis Bank or LIC. Always verify details from official sources before application. Credit approval subject to eligibility criteria.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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LIC Axis Bank Signature Credit Card
Published: April 28, 2025By Credit Card Path Editorial
LIC Axis Bank Signature Credit Card - Complete Guide
About LIC Axis Bank Signature Credit Card
The LIC Axis Bank Signature Credit Card is a unique co-branded financial product designed for insurance policyholders and investors. Offering exclusive benefits on LIC premium payments and investment-related transactions, this card combines insurance advantages with premium banking benefits. Cardholders enjoy accelerated reward points on LIC transactions, life insurance covers, and special discounts on policy renewals. With comprehensive travel insurance, lounge access, and fuel surcharge waivers, it's ideal for regular LIC customers seeking to maximize their policy benefits while enjoying premium credit card privileges.
⚠️ Disclaimer: This information is for educational purposes only. CreditCardPath.in is not associated with Axis Bank or LIC. Details may change without notice. Always verify information through official channels before applying. We don't guarantee card approval or accuracy of information.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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Axis Bank Freecharge Plus Credit Card
Published: April 28, 2025By Credit Card Path Editorial
Axis Bank Freecharge Plus Credit Card - Complete Guide
Card Issuer
Axis Bank
Joining Fee
₹500 + GST
Renewal Fee
₹500 + GST (waived if spends exceed ₹50,000 annually)
Card Category
Co-branded Digital
Rewards Rate
Up to 5% cashback
Airport Lounge
2 complimentary accesses/year
Railway Lounge
1 visit/quarter
About Freecharge Plus Credit Card
The Axis Bank Freecharge Plus Credit Card is a digital-first financial product designed for millennials and frequent online transactors. This co-branded card offers instant cashback on bill payments, mobile recharges, and online shopping through Freecharge platform. With features like contactless payments, EMI conversion, and reward point multipliers, it combines banking convenience with digital wallet benefits.
Pros: High cashback on digital payments, low fees, instant rewards Cons: Limited offline benefits, average lounge access Verdict: 4.1/5 - Best for frequent Freecharge users with monthly digital spends above ₹10,000
Important Disclaimer
⚠️ Information provided is for reference purposes only. Features may change as per bank policies. We are not affiliated with Axis Bank or Freecharge. Always verify details from official sources before application. Credit approval subject to eligibility criteria.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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Axis Bank Freecharge Credit Card
Published: April 28, 2025By Credit Card Path Editorial
Axis Bank Freecharge Credit Card - Complete Guide & Benefits
Card Overview
The Axis Bank Freecharge Credit Card is a digital-first credit card designed for frequent online shoppers and bill payers. Offering instant cashback on Freecharge transactions, this card is ideal for mobile recharges, utility payments, and e-commerce purchases. Cardholders enjoy up to 10% cashback on Freecharge transactions, 5% rewards on popular merchant partners, and zero joining fee benefits. With its focus on digital payments and seamless redemption process, it's perfect for millennials seeking maximum returns on everyday expenses. The card combines affordability with rewarding benefits, making it a popular choice in the entry-level credit card segment.
⚠️ Disclaimer: This information is for educational purposes only. CreditCardPath.in is not associated with Axis Bank or Freecharge. Terms & conditions may change. Verify details through official channels before applying. We don't guarantee approval or accuracy of information.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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Samsung Axis Bank Signature Credit Card
Published: April 28, 2025By Credit Card Path Editorial
The Samsung Axis Bank Signature Credit Card is a premium co-branded credit card offering exclusive benefits for Samsung enthusiasts. Designed for frequent buyers of Samsung products, this card provides accelerated reward points on Samsung purchases, special EMI options, and premium lifestyle benefits. Cardholders enjoy airport lounge access, complimentary golf lessons, and comprehensive insurance covers. With its focus on electronics purchases and premium benefits, it's ideal for tech-savvy users looking to maximize savings on Samsung ecosystem products. The card combines shopping benefits with travel privileges, making it a versatile choice for premium customers.
Card Snapshot
Feature
Details
Issuing Bank
Axis Bank
Joining Fee
₹3,000 + GST
Renewal Fee
₹3,000 + GST
Annual Fee Waiver
On spending ₹3 lakhs+
Reward Rate
10 pts/₹100 on Samsung
Airport Lounge
8 visits/year
Railway Lounge
4 visits/year
Fuel Surcharge
1% waiver
Detailed Specifications
Card Network: Visa Signature
Contactless Payment: Yes (Tap & Pay)
Forex Markup: 2%
EMI Conversion: 0.99% processing fee
Insurance Cover: ₹1 Crore Air Accident Cover
Priority Pass: 8 free international lounge accesses
Key Features & Benefits
10X Rewards on Samsung Official Store & Samsung Shop App
5% Cashback on Samsung EMI transactions
Complimentary Golf Lessons (4 per year)
1% Fuel Surcharge Waiver (min ₹400 transaction)
24x7 Concierge Service
Buy 1 Get 1 Free on BookMyShow (twice monthly)
Rewards Structure
Category
Reward Rate
Samsung Purchases
10 pts/₹100
Dining
5 pts/₹100
Groceries
5 pts/₹100
Other Spends
2 pts/₹100
Reward Redemption: 1 reward point = ₹0.25 (Samsung purchases) or ₹0.20 (other redemptions)
Fee Structure
Charge Type
Amount
Joining Fee
₹3,000 + GST
Annual Fee
₹3,000 + GST
Cash Advance
2.5% of amount (min ₹500)
Late Payment
₹600 + GST
Overlimit Charge
₹600 + GST
Eligibility Criteria
Age: 21-70 years
Minimum Income: ₹6 lakhs p.a. (Salaried)
Credit Score: 750+ preferred
Employment: Salaried/Self-Employed
Existing Axis Bank Customers: Pre-approved offers available
⚠️ Information Disclosure: This content is for informational purposes only. CreditCardPath.in is not affiliated with Axis Bank or Samsung. Card details may change without notice. Always verify information through official bank channels before applying. We don't guarantee approval or accuracy of displayed information.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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Samsung Axis Bank Infinite Credit Card
Published: April 28, 2025By Credit Card Path Editorial
₹5,000 + GST (waived if spends exceed ₹5 lakh annually)
Card Category
Premium Lifestyle
Rewards Rate
Up to 10X rewards
Airport Lounge
Unlimited domestic access
Railway Lounge
6 visits/year
About Samsung Infinite Credit Card
The Samsung Axis Bank Infinite Credit Card is a premium co-branded credit card designed for Samsung product enthusiasts and premium lifestyle users. Offering exceptional benefits on Samsung purchases, electronics spending, and luxury experiences, this card combines tech-focused rewards with premium travel privileges. Cardholders enjoy exclusive access to Samsung product launches, accelerated reward points on electronics, and comprehensive travel insurance coverage.
Pros: Best for Samsung users, luxury benefits, high insurance cover Cons: High annual fee, limited general rewards Verdict: 4.4/5 - Ideal for frequent Samsung buyers with premium lifestyle needs
Important Disclaimer
⚠️ This information is for educational purposes only. Features may change as per bank policies. We are not affiliated with Axis Bank or Samsung. Always verify details from official sources before application. Credit approval subject to eligibility criteria.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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Fibe Axis Bank Credit Card
Published: April 28, 2025By Credit Card Path Editorial
Fibe Axis Bank Credit Card - Complete Guide & Benefits
Card Issuer
Axis Bank
Joining Fee
₹Nil + GST
Renewal Fee
₹Nil + GST
Card Category
Fintech Co-branded
Rewards Rate
Up to 5% cashback
Airport Lounge
2 complimentary accesses/year
Railway Lounge
1 visit/quarter
About Fibe Axis Bank Credit Card
The Fibe Axis Bank Credit Card is a unique digital-first financial product designed for young professionals and salaried individuals. This co-branded card offers instant credit line approval, flexible repayment options, and smart rewards on essential spending categories. With features like contactless payments, EMI conversion, and real-time spending insights, it combines banking convenience with fintech innovation.
Pros: Instant approval, high cashback on food delivery, flexible EMI options Cons: Limited offline benefits, moderate fees Verdict: 4/5 - Best for millennials with frequent online food orders
Important Disclaimer
⚠️ This information is for educational purposes only. Features may change as per bank policies. We are not affiliated with Axis Bank or Fibe. Always verify details from official sources before applying. Credit approval subject to eligibility criteria.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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Axis Bank HORIZON Credit Card
Published: April 28, 2025By Credit Card Path Editorial
Axis Bank HORIZON Credit Card - Detailed Review & Benefits
Card Issuer
Axis Bank
Joining Fee
₹1,500 + GST
Renewal Fee
₹1,500 + GST (waived if spends exceed ₹1.5 lakh annually)
Card Category
Lifestyle & Travel
Rewards Rate
Up to 5X reward points
Airport Lounge
4 complimentary accesses/year
Railway Lounge
2 visits/quarter
About Axis Bank HORIZON Credit Card
The Axis Bank HORIZON Credit Card is a premium lifestyle credit card designed for urban millennials and frequent travelers. Offering accelerated rewards on online shopping, travel bookings, and dining experiences, this card combines lifestyle benefits with travel privileges. Cardholders enjoy exclusive discounts on partner brands, priority pass memberships, and flexible reward redemption options through the EDGE rewards program.
⚠️ Information provided is for reference only. Features may change as per Axis Bank's policies. We are not affiliated with Axis Bank. Please verify details from official sources before application. Credit approval is subject to the bank's discretion.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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Axis Bank My Wings Credit Card
Published: April 28, 2025By Credit Card Path Editorial
Axis Bank My Wings Credit Card - Complete Review & Benefits
Card Issuer
Axis Bank
Joining Fee
₹3,000 + GST
Renewal Fee
₹3,000 + GST
Card Category
Premium Travel
Rewards Rate
5 EDGE Points/₹200 spent
Airport Lounge
Unlimited domestic access
Railway Lounge
4 visits per quarter
About My Wings Credit Card
The Axis Bank My Wings Credit Card is a premium travel-focused credit card designed for frequent flyers. Offering exceptional travel benefits including unlimited airport lounge access, accelerated reward points on travel bookings, and exclusive hotel partnerships. This card stands out with its unique 'Book My Trip' feature that provides personalized travel planning services.
Pros: Best-in-class lounge access, premium travel benefits, good reward rate Cons: High annual fee, limited non-travel rewards Verdict: 4.5/5 - Ideal for frequent travelers with annual travel expenditure above ₹2 lakh
Important Disclaimer
⚠️ This information is for educational purposes only. Terms & conditions may change as per Axis Bank's policies. We are not affiliated with Axis Bank. Please verify details from official sources before application. Credit approval is subject to the bank's discretion.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
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IndianOil Axis Bank Premium Credit Card
Published: April 28, 2025By Credit Card Path Editorial
IndianOil Axis Bank Premium Credit Card - Complete Guide
Card Issuer
Axis Bank
Joining Fee
₹500 + GST
Renewal Fee
₹500 + GST (waived if spends exceed ₹50,000 annually)
Card Category
Fuel Credit Card
Rewards Rate
Up to 25% valueback on fuel
Airport Lounge
4 complimentary visits per year
Railway Lounge
2 complimentary visits per quarter
About IndianOil Axis Bank Premium Credit Card
The IndianOil Axis Bank Premium Credit Card is specially designed for frequent fuel purchasers, offering exceptional benefits at IndianOil petrol pumps. This co-branded credit card provides accelerated rewards on fuel spends, dining, and groceries while offering lifestyle benefits like lounge access and insurance covers.
Key Features & Benefits
25% valueback on fuel purchases at IndianOil outlets
Pros: Best-in-class fuel rewards, multiple lounge accesses, decent surcharge waiver Cons: Limited to IndianOil outlets, lower rewards on non-fuel spends Verdict: 4.3/5 - Ideal for users with monthly fuel expenditure above ₹5,000
Important Disclaimer
⚠️ Information provided here is for general guidance only. Terms & conditions apply as per issuer's policies. We are not affiliated with Axis Bank or IndianOil. Please verify details from official sources before applying. Credit card approvals are subject to bank's discretion.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
