With the zero forex feature, it is a much better option now. How are the reviews on it? Seems like a much better Scapia alternative since scapia gives no merchant based rewards or welcome benefit. Lounge access is once per quarter.
Zero forex is a very good feature (applicable in all countries, i have used it in Thailand, Italy and USA), the 3% cashback is also worth if you spend over 15k in the first cycle and lounge access is way better than the icici and hdfc cards I have. I recently got to cut down my statement with all the fi coins accumulated so great use case to be honest (I also use salary account so i had too many fi coins to use)
They just have a LOT of upfront discounts running all the time on this card, mostly to pull in users. My friend constantly gets 20% off on swiggy, eazydiner, BMS, PayTM movies, etc.