Credit Card Compare

E-gift vouchers worth Rs. 3,000 from any of the top brands amongst Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra, Aditya Birla and more

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

10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies

2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel

20 reward points for every Rs. 100 spent on birthday

Value of 1 Reward Point = Rs. 0.25

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

4 complimentary international lounge visits and 8 complimentary domestic lounge visits in a year

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

5X reward points on dining, movies, grocery and departmental store spends

Milestone benefits worth Rs. 11,000 in a year on spending Rs. 5 Lakh or more

Complimentary domestic and international lounge visits

Benefits on hotel, golf, dining and more (based on card network)

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

Low reward redemption value of Rs. 0.25

No other travel benefits except complimentary lounge access

Annual fee of Rs. 2,999 is quite high for the set of benefits offered

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Frequent travellers and heavy spenders who can maximize the benefit of high reward rate along with other travel features

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