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Complimentary e-gift voucher worth Rs. 5,000 on joining from any brand of choice among Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop

5% cashback, up to Rs. 200 per month & Rs. 100 per transaction, on fuel spends of up to Rs. 2,000

5% cash back, up to Rs. 200 per month & Rs. 100 per transaction, on telephone bills worth more than Rs. 750

5% cashback, up to Rs. 100 per transaction & Rs. 100 per month, on utility bills of min. Rs. 750

1 reward point per Rs. 150 spent on others, redeemable against vouchers, discount & catalogue offers

5X rewards on dining, departmental stores & grocery spends

2 reward points per Rs. 100 on all other spends, except fuel

4 Reward Points = Rs. 1

Complimentary Priority Pass membership for Premium Banking customers with 1 lounge visit per month outside India on monthly salary of Rs. 1.5 lakh & satisfying other TnC

2 domestic airport lounge visits per calendar quarter and 6 international lounge visits in a year

5% cashback on fuel, telephone & utility bills

Reward points on other eligible spends

Complimentary Priority Pass membership for Premium Banking customers

Accelerated rewards on everyday spends like grocery, dining and departmental store purchases

Good lounge access benefit at domestic as well as international airports

Complimentary movie tickets worth Rs. 6,000 every year

Low forex mark-up fee of 1.99%

Low monthly capping on cashback earning

Poor reward rate on spends beyond the primary categories

Condition to meet minimum transaction value to be eligible for cashback

Base reward earning rate is low for transactions outside the accelerated category

Reward redemption rate stands quite low at Rs. 0.25

No travel benefits other than complimentary lounge access

Those who are looking to earn considerable cashback on fuel, telephone and utility bills or who are already a Premium banking customer

People who often watch movies and are frequent air travelers so that they can utilise the travel membership benefits