Credit Card Compare

Complimentary memberships of Club Marriott, Amazon Prime and Swiggy One

50,000 bonus reward points after the payment of joining fee

5 reward points for every Rs. 150 spent

Up to 10X reward points on SmartBuy and 2X rewards on weekend dining

1 reward point = Rs. 1 for flight & hotel bookings at SmartBuy

1 reward point = Up to Rs. 0.50 against product catalogue

1 reward point = Rs. 0.30 for cashback redemption against statement balance

15 EDGE reward points for every Rs. 200 spent

30 EDGE reward points for every Rs. 200 spent internationally

Conversion of rewards into Air Miles or Hotel Loyalty Points at a ratio of 5:2

Unlimited airport lounge access for primary and add-on card members

Priority Pass membership with unlimited international & domestic lounge visits for all cardholders with 12 free guest visits per year

3.33% value-back across all spending categories

1:1 reward redemption against some of the leading airlines and hotels

Unlimited domestic and international lounge visits for primary and add-on user

6 complimentary golf games per quarter

Multiple complimentary memberships

Low forex mark-up fee of 2%

Unlimited lounge visits

Complimentary memberships of premium hotels

Low forex mark-up fee of 1.5%

No cash withdrawal charges

Complimentary annual memberships will be renewed only on spending Rs. 8 Lakh or more in a year

Though forex mark-up fee of 2% is lower than the general 3.5% charged on most cards, it could have been lower, considering the card’s premium status

Very high annual fee of Rs. 50,000

High annual fee waiver criteria

Low reward redemption rate

Division of partners in Miles Transfer Program

Exclusions of some everyday spend types from rewards program

High spenders who put most of their travel-related and other spends on their card, and want an all rounder credit card

Frequent travellers who are looking for a card with premium benefits and do not mind paying a high annual fee