Credit Card Compare

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

NA

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

4 reward points per Rs. 150 spent on all retail spends

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

Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass

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

Good reward rate across all categories

Multiple redemption options

Complimentary lounge access

Low forex mark-up fee

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Lounge access is subject to reaching spend milestones

Spend threshold for milestone benefits is too high

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

People who can satisfy the fee waiver and lounge access spending conditions to make the most of the card features and those who frequently dine out