Credit Card Compare

6,000 bonus reward points worth Rs. 6,000 on joining

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

5 reward points for every spend of Rs. 150

1 Reward Point = Rs. 1

5% cashback, up to Rs. 1,000, on all duty-free spends

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

1 lounge access per month via Priority Pass membership on spending Rs. 20,000 in the previous month

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

Reward rate of 3.33% across all spends including insurance and utilities

1:1 rewards redemption ratio

12 complimentary golf games in a year at leading golf courses in India

Welcome benefit compensates for the joining fee

Low forex mark-up fee of 2% on international spends

5% cashback on duty-free spends

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

Lounge access is spend-based

Capping on cashback earning

Limited lifestyle benefits

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

People who are looking for a rewards credit card, frequently make duty-free purchases at airports, play golf and can make the most out of the Priority Pass membership

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