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

2 reward points per Rs. 100 spent on retail purchases, except fuel

1 reward point per Rs. 100 spent on utility & insurance

Redeem reward points for products and vouchers on ICICI Bank Rewards platform

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

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

Lifetime free credit card

Up to 2X rewards earnings on card spends

Dining discount offers across a wide range of restaurants

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

Low reward rate

No accelerated benefits on popular lifestyle-related categories, like travel, shopping, movies, etc.

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Beginners who want to build their credit score and are looking for a basic card with rewards benefits and dining discount

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