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

Amazon voucher worth Rs. 500 on payment of joining fee

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

10X reward points on online partner brands: BookMyShow, Swiggy, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds & Cleartrip

5X reward points on all other online spends

1 reward point per Rs. 100 spent offline

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

NA

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

10X reward points on brands covering multiple categories like shopping, travel, movies, dining and more

Low annual fee and comparatively easier eligibility terms

Easily achievable fee waiver condition of Rs. 1 Lakh in a year

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Limited options for reward redemption

Online shopping benefits come in the form of rewards, the value of which may not be satisfactory in comparison to cashback credit cards like Amazon Pay ICICI or Cashback SBI Card

The array of collaborated brands under the accelerated earnings is not impressive

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

Beginners looking for a card that offers higher rewards on online spends, especially on partnered brands, like Dominos, Cleartrip, BookMyShow & more