Credit Card Compare

4,000 Membership Rewards Points on joining fee payment & on spending Rs. 15,000 within the first 90 days

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

1 Membership Rewards Point per Rs. 50 spent, except on fuel, insurance, utilities, cash transactions & EMIs at POS

Redeem the earned rewards for vouchers of top brands against the 18 Karat & 24 Karat Gold Collection

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

NA

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

Welcome benefits equivalent to the Rs. 1,000 joining fee

Reward points redemption against multiple brand vouchers

Exclusive access to 18 & 24 Karat Gold Collection for reward redemption

Renewal fee waiver on annual spends of Rs. 1.5 Lakh

Bonus reward points on first year card renewal

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

No reward benefits on fuel, insurance & utility spends

Low base reward rate of 1 point per Rs. 50 spent

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

People who want to earn rewards and prefer to redeem them against popular brands like Flipkart, Amazon, Myntra, etc.

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