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Complimentary e-gift voucher worth Rs. 5,000 on joining from any brand of choice among Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop

Bonus 1,000 cash points on joining fee payment

5X rewards on dining, departmental stores & grocery spends

2 reward points per Rs. 100 on all other spends, except fuel

4 Reward Points = Rs. 1

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

2 domestic airport lounge visits per calendar quarter and 6 international lounge visits in a year

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

Accelerated rewards on everyday spends like grocery, dining and departmental store purchases

Good lounge access benefit at domestic as well as international airports

Complimentary movie tickets worth Rs. 6,000 every year

Low forex mark-up fee of 1.99%

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

Base reward earning rate is low for transactions outside the accelerated category

Reward redemption rate stands quite low at Rs. 0.25

No travel benefits other than complimentary lounge access

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

People who often watch movies and are frequent air travelers so that they can utilise the travel membership benefits

Those who frequently spend online across partner brands.