Credit Card Compare

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

NA

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 reward points per Rs. 150 spent on all retail spends

NA

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

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

Good reward rate across all categories

Multiple redemption options

Complimentary lounge access

Low forex mark-up fee

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%

Lounge access is subject to reaching spend milestones

Spend threshold for milestone benefits is too high

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

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