Compare : AU Altura Credit Card vs SBI Card PRIME

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E-gift vouchers worth Rs. 3,000 from any of the top brands amongst Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra, Aditya Birla and more

2% cashback on groceries, departmental store and utility bill payments, capped at Rs. 50 per month

1% cashback on other retail spends, capped at Rs. 50 per month

10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies

2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel

20 reward points for every Rs. 100 spent on birthday

Value of 1 Reward Point = Rs. 0.25

8 free railway lounge visits yearly

4 complimentary international lounge visits and 8 complimentary domestic lounge visits in a year

2% cashback on groceries, departmental store and utility bill payments

8 free railway lounge visits per year

Minimal joining and annual fee of Rs. 199

5X reward points on dining, movies, grocery and departmental store spends

Milestone benefits worth Rs. 11,000 in a year on spending Rs. 5 Lakh or more

Complimentary domestic and international lounge visits

Benefits on hotel, golf, dining and more (based on card network)

Low value back on milestone benefit

1% cashback is capped at Rs. 50 per month

Do not offer airport lounge visits

Low reward redemption value of Rs. 0.25

No other travel benefits except complimentary lounge access

Annual fee of Rs. 2,999 is quite high for the set of benefits offered

Consumers who frequently spend on retail and want to avail a card that offers cashback on groceries, departmental stores and utility bill payments

Frequent travellers and heavy spenders who can maximize the benefit of high reward rate along with other travel features