Credit Card Compare

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

6,000 bonus reward points worth Rs. 6,000 on joining

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

5 reward points for every spend of Rs. 150

1 Reward Point = Rs. 1

5% cashback, up to Rs. 1,000, on all duty-free spends

NA

1 lounge access per month via Priority Pass membership on spending Rs. 20,000 in the previous month

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

Reward rate of 3.33% across all spends including insurance and utilities

1:1 rewards redemption ratio

12 complimentary golf games in a year at leading golf courses in India

Welcome benefit compensates for the joining fee

Low forex mark-up fee of 2% on international spends

5% cashback on duty-free spends

No reward benefits on fuel, insurance & utility spends

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

Lounge access is spend-based

Capping on cashback earning

Limited lifestyle benefits

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

People who are looking for a rewards credit card, frequently make duty-free purchases at airports, play golf and can make the most out of the Priority Pass membership