Credit Card Compare

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350 bonus reward points worth Rs. 350 on card activation, subject to a single transaction of Rs. 500 or more done within 45 days of card issuance

4 reward points per Rs. 150 spent on all retail spends

10% value-back as reward points, upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website/app

Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass

4 complimentary railway lounge access in a year (1 per quarter)

Good reward rate across all categories

Multiple redemption options

Complimentary lounge access

Low forex mark-up fee

Low annual fee travel credit card

Good value on train ticket bookings via IRCTC

Complimentary railway lounge access

Transaction charge waiver on railway ticket booking via IRCTC

Lounge access is subject to reaching spend milestones

Spend threshold for milestone benefits is too high

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

People who can satisfy the fee waiver and lounge access spending conditions to make the most of the card features and those who frequently dine out

Domestic travellers who prefer travelling via railways over airlines and want a low annual fee card