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Bonus 1,000 cash points on joining fee payment

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

5% cashback up to 1,000 cash points/month on Flipkart, Swiggy, Amazon, BookMyShow, Myntra, Uber, Cult.fit, Sony LIV, Tata CLiQ and Zomato

1% cashback up to 1,000 cash points/month on other spends

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

Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends

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

Up to 5% cashback on major lifestyle-related online spends

Bonus points worth the joining fee on activation

Multiple redemption options with redemption value of up to 1:1

Annual fee waiver condition is quite easily achievable

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

Monthly capping on cashback earning

Low cashback rate for non-accelerated category

Exclusion of major everyday spends like utilities and rent from cashback earning

Lounge access benefit is optional and spend-based

Lounge access is spend-based

Capping on cashback earning

Limited lifestyle benefits

Those who frequently spend online across partner brands.

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