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

Rs. 500 cashback as a welcome gift on spending Rs. 10,000 in the first 90 days of card membership

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

10X Membership Rewards® Points on Zomato (capped at 500 points per month per card account)

10X Membership Rewards® Points on Flipkart, Myntra, Blinkit, Uber, Nykaa, Ajio, PVR, BookMyShow (capped at 500 points per month per card account)

5X Membership Rewards® Points on every Rs. 50 spent on Amazon and Paytm Wallet (capped at 250 points per month per card account for both the merchants combined)

1 Membership Rewards® Point for every Rs. 50 spent on other categories, except for fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale

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 popular brands like Myntra, Amazon, Uber, etc.

Complimentary vouchers worth Rs. 1,500 as milestone benefits

Welcome benefits equivalent to the Rs. 500 joining fee

Renewal fee waiver on annual spends of Rs. 40,000

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Capping on accelerated reward points earning

No reward points on fuel, insurance & utility spends

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

High forex markup fee of 3.5%

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

People who frequently shop online and are looking for a low annual fee credit card with rewards benefits