Department Store Offers Credit Cards in India 2026

5% benefit on dining spends || 2.50% benefit on grocery & departmental store purchases, and international spends || 1.25% benefit on all other card spends
– You earn 20 reward points worth ₹5, on every ₹100 spent on dining spends at stand-alone restaurants
– You earn 10 reward point worth ₹2.50, on every ₹100 you spend on grocery & departmental store purchases, and international spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Quarterly and yearly milestone benefits
– You get ₹1000 vouchers, at quarterly card spend of ₹2 lakh
– Complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh

Complimentary access to airport lounges in India – 4 times per quarter

Complimentary access to airport lounges outside India – 4 times per quarter (through Priority Pass program)

Complimentary access to railway lounges in India – 2 times per quarter

Birthday benefit of ₹625 : You earn 2500 bonus reward points (worth ₹625), on completing one card transaction on your birthday.

24/7 concierge services : You can customize your travel, entertainment, and leisure experiences with the Global Concierge Assistance. For example, booking of your travel, arranging a golf session, planning a perfect anniversary dinner, and more.

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto your card limit
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.

Fuel surcharge waiver, upto ₹1000 per month
– You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Benefits
– Good lifestyle benefits like airport lounge access, railway lounge access, insurance benefits and more

Drawbacks
– Reward rate on card spending is comparatively low, especially on travel spends

2.50% cashback on departmental store purchases || grocery purchases || movie & dining spends
- You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
- 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.

0.50% basic benefit on all other credit card spends (except fuel)
- You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.
- 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.

Additional reward through milestone benefits
– Pizza Hut e-voucher worth ₹1000, at ₹50000 quarterly card spend
– Yatra.com/Pantaloons e-gift voucher worth ₹7000, at ₹5 lakh annual card spend

Complimentary visits to airport lounges in India – 2 times per quarter

Complimentary visits to airport lounges outside India – 4 times per year (maximum 2 per quarter)

Complimentary Club Vistara SILVER membership, membership benefits include-
– 1 complimentary upgrade voucher
– 9 Club Vistara points for every ₹100 spent on your Vistara flights
– Priority airport check-in at premium economy check-in counter
– Increased check-in baggage allowance

Complimentary Trident Privilege membership, membership benefits include-
– 10% instant savings on bookings made through the hotel website.
– 1000 bonus welcome points at registration
– 1500 bonus points on your first stay, an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent (excluding taxes)

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹4000 AND
– Only on fuel purchases upto ₹25,000 per month (since the maximum waiver is capped at ₹250 per monthly card statement cycle)

Complimentary credit card fraud liability cover of ₹1 lakh
- This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholder

Benefits
- Attractive benefit on department store, grocery and dining spends, especially if you utilize milestone benefits.
- Shopping benefits have no monthly caps/limits and are valid for both online as well as offline spends
- Attractive travel benefits like complimentary airport lounge access in India and abroad, complimentary Club Vistara Silver membership
- Easy redemption of reward points, since reward points can be converted to cashback

Drawbacks to consider
- Reward rate on travel spends is low, hence frequent travellers may need to look at premium travel cards

Upto 6.2% benefit on Landmark spends : 2.5% on Landmark spends || Upto 3.7% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 2.5% on Landmark spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 3.7% additional benefits, based on achieving 3 annual card spend levels at Landmark stores-
1. 2400 reward points worth ₹600, at ₹25000 yearly card spend at Landmark stores
2. Additional 8000 reward points worth ₹2000, at ₹75000 yearly card spend at Landmark stores
3. Additional 12000 reward points worth ₹3000, at ₹1.50 lakh yearly card spend at Landmark stores
Hence you can get a total of 22400 reward points worth ₹5600, at ₹1.50 lakh yearly card spend at Landmark stores – 3.7% benefit

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise.

0.50% basic benefit on all other spends
– You earn 2 reward point worth ₹0.50 (50 paise) , on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 12,000 reward points worth ₹3000, at ₹3 lakh yearly card spend on all card purchases - 1% benefit.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹3,000 AND
– Only on upto ₹10,000 fuel spend per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 6.2% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Drawbacks
– You need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 3.3% benefit on Landmark spends : 1.25% benefit on Landmark spends || Upto 2.1% additional benefit, based on achieving 3 annual card spend levels at Landmark stores
✔︎ 1.25% on Landmark spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 2.1% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
-– 1000 reward points worth ₹250, at ₹20000 yearly card spend at Landmark stores
– Additional 2000 reward points worth ₹500, at ₹45000 yearly card spend at Landmark stores
– Additional 5000 reward points worth ₹1250, at ₹95000 yearly card spend at Landmark stores
Hence you can get a total of 8000 reward points worth ₹2000, at ₹95,000 yearly card spend at Landmark stores – 2.1% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores).

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

1.25% benefit on dining spends and movie spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise.

0.25% basic benefit on all other spends
– You earn 1 reward point worth ₹0.25 (25 paise) , on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 8000 reward points worth ₹2000, at ₹2 lakh yearly card spend - 1% benefit

Fuel surcharge waiver, upto ₹100 per month : You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card entry level card for regular shoppers at Landmark outlets – you can earn upto 3.3% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

You can earn upto 9% benefit on Landmark spends : 3.75% on Landmark spends || Upto 5.27% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 3.75% on Landmark spends
– You earn 15 reward points worth ₹3.75 , on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 5.27% additional benefits, based on achieving 3 annual card spend levels at Landmark stores-
1. 6000 reward points worth ₹1500, at ₹40000 yearly card spend at Landmark stores
2. Additional 12000 reward points worth ₹3000, at ₹1 lakh yearly card spend at Landmark stores
3. Additional 20,000 reward points worth ₹5000, at ₹1.80 lakh yearly card spend at Landmark stores
Hence you can get a total of 38000 reward points worth ₹9500, at ₹1.80 lakh yearly card spend at Landmark stores – 5.27% benefit
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores)

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50 , on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.

0.50% basic benefit on all other spends
– You earn 2 reward point worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions – No reward points are earned on fuel purchases.

Upto 1% additional benefit, through milestone program 
- You get 20,000 reward points worth ₹5000, at ₹5 lakh yearly card spend on all card purchases - 1% benefit.

Complimentary airport lounge access outside India – 4 times per year (maximum 2 visits per quarter)
– You get complimentary membership to Priority Pass program worth USD 99, which enables international airport lounge access
– You get 4 free visits per year, maximum 2 per quarter. Additional visits are chargeable.

Complimentary airport lounge access in India – 2 times per quarter 

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹4,000 AND
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 9% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment
– Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)

Drawbacks to consider
– You need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 6.2% benefit on Landmark spends : 2.5% on Landmark spends || Upto 3.7% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 2.5% on Landmark spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 3.7% additional benefits, based on achieving 3 annual card spend levels at Landmark stores-
1. 2400 reward points worth ₹600, at ₹25000 yearly card spend at Landmark stores
2. Additional 8000 reward points worth ₹2000, at ₹75000 yearly card spend at Landmark stores
3. Additional 12000 reward points worth ₹3000, at ₹1.50 lakh yearly card spend at Landmark stores
Hence you can get a total of 22400 reward points worth ₹5600, at ₹1.50 lakh yearly card spend at Landmark stores – 3.7% benefit

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise.

0.50% basic benefit on all other spends
– You earn 2 reward point worth ₹0.50 (50 paise) , on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 12,000 reward points worth ₹3000, at ₹3 lakh yearly card spend on all card purchases - 1% benefit.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹3,000 AND
– Only on upto ₹10,000 fuel spend per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 6.2% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Drawbacks
– You need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

3% cashback on following Paytm spends - Travel tickets (flights, train & bus) || Shopping at Paytm Mall || Movie tickets
- You earn ₹3 cashback, on every ₹100 you spend in these categories
- Cashback is credited as Paytm vouchers, in your Paytm Wallet

2% cashback on all other Paytm spends 
- You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)
- Cashback is credited as Paytm vouchers, in your Paytm Wallet

1% cashback benefit on all other card spends (non-Paytm spends)
– You earn ₹1 cashback, on every ₹100 you spend on all other card transactions (no limit on cashback)
– Cashback is credited as Paytm vouchers, in your Paytm Wallet
– Exception : No cashback is given on rent transaction, wallet loads and fuel purchases

Complimentary cyber fraud insurance of ₹1 lakh

1% fuel surcharge waiver at all fuel stations, upto ₹100 per month
– This benefit is valid only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month, since the maximum waiver is restricted to ₹100 per monthly card statement cycle

Benefits :
– Good card for Paytm users, you get upto 3% cashback on a variety of spends

Drawbacks to consider :
– Cashback on non-Paytm purchases is quite low (1%), hence you will need to consider other cards to earn rewards on non-Paytm spends
– Not a good card for people who prefer in-store (face to face) shopping, and do not like online shopping

Upto 4% benefit on spends at participating Reliance Retail Stores : 1.25% on all spends at participating Reliance Retail Stores || Upto 2.8% additional benefit, based on achieving specified annual card spend levels at participating Reliance Retail Stores
✔︎ 1.25% benefit at participating ‘Reliance Retail Stores’
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend at participating ‘Reliance Retail Stores’ (except UPI payments).
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
✔︎ Upto 2.8% additional benefit, on achieving specified annual card spend levels at participating Reliance Retail Stores-
– ₹500 Reliance Retail voucher, at ₹25,000 annual card spend at participating Reliance Retail Stores
– ₹750 Reliance Retail voucher, at ₹50,000 annual card spend at participating Reliance Retail Stores
– ₹1000 Reliance Retail voucher, at ₹80,000 annual card spend at participating Reliance Retail Stores
So you could earn ₹2250, if you spend ₹80,000 at participating Reliance Retail Stores – 2.8% benefit.

1.25% benefit on the following spend categories –  dining || movies
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.25% benefit on all other card spends
– You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card transactions.
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
– Exceptions : No reward points are given on following card spends – fuel, property rental, wallet upload.

Special discounts upto 5%, at participating Reliance Retail Stores

Fuel surcharge waiver, upto ₹100 per month
– This benefit is valid only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Benefits
– Good card for regular shoppers at various Reliance Retail outlets – you can earn upto 4% on these spends if you utilise the milestone benefits also
– You also get special discounts upto 5%, at participating Reliance Retail Stores

Drawbacks to consider
– You need to consider other credit cards to earn higher rewards on non-Reliance Retail card spends

Upto 5.4% benefit on spends at participating Reliance Retail Stores : 2.50% on all spends at participating Reliance Retail Stores || Upto 2.9% additional benefit, based on achieving specified annual card spend levels at participating Reliance Retail Stores
✔︎ 2.50% benefit at participating ‘Reliance Retail Stores’
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at participating ‘Reliance Retail Stores’ (except UPI payments).
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
✔︎ Upto 2.9% additional benefit, on achieving specified annual card spend levels at participating Reliance Retail Stores
– ₹1500 Reliance Retail voucher, at ₹75,000 annual card spend at participating Reliance Retail Stores
– ₹2250 Reliance Retail voucher, at ₹1.50 lakhs annual card spend at participating Reliance Retail Stores
– ₹5000 Reliance Retail voucher, at ₹3 lakhs annual card spend at participating Reliance Retail Stores
So you could earn ₹8750, if you spend ₹3 lakhs at participating Reliance Retail Stores – 2.9% benefit.

1.25% benefit on the following spend categories – Dining || Movies & entertainment || Domestic airlines || International spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.50% benefit on all other card spends
– You earn 2 reward points worth ₹0.50(50 paise), on every ₹100 you spend on all other spends.
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
– Exceptions : No reward points are given on following card spends – fuel, property rental, wallet upload.

Fuel surcharge waiver, upto ₹100 per month
– This benefit is valid only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Complimentary international airport lounge access – 4 times per year (maximum 2 times per quarter)

Complimentary domestic airport lounge access – 2 times per quarter

Movie benefits at Book My Show, upto ₹3000 per year : You get 1 complimentary movie ticket a month, upto ₹250.

Benefits
– Good card for regular shoppers at various Reliance Retail outlets – you can earn over 5% on these spends if you utilise the milestone benefits also
– Complimentary access to airport lounges both in India (2 times per quarter) and abroad (4 times per year)

Drawbacks to consider
– You need to consider other credit cards to earn higher rewards on non-Reliance Retail card spends

4.25% earning on fuel purchases - on fuel purchases upto ₹10,000 per month
✔︎ 3.25% benefit on BPCL (Bharat Petroleum Corporation Limited) fuel purchases
– You earn 13 reward points worth ₹3.25, on every ₹100 you spend at BPCL fuel outlets
– This benefit is valid only on fuel transactions below ₹4000, and is valid only on fuel purchases upto ₹10,000 per month (since the maximum reward points given at this special rate is 1300 reward points per month).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed by converting them to BPCL vouchers.
✔︎ 1% fuel surcharge waiver at BPCL fuel pumps, upto ₹100 per month
– This benefit is valid only on fuel transactions upto ₹4000, and
– Only on fuel spends upto ₹10,000 per month (since the waiver amount is limited to ₹100 per month)

1.25% benefit on departmental store purchases || grocery spends || movie & dining spends 
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories.
– This is valid only on total monthly spends upto ₹1 lakh in these categories (since the maximum reward points given at this special rate is 5000 reward points per month).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed by converting them to BPCL vouchers.

0.25% basic benefit on all other card spends 
– You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed by converting them to BPCL vouchers.
– Exceptions : No reward points are given on educational services and government institution spends.

Benefits
– Good reward rate of 4.25% on fuel purchases, including 1% fuel surcharge waiver
– Low annual card spend requirement (of ₹50,000) to get annual fee waived off, hence a good starter fuel card
– Though the fuel reward rate is little lower than some other fuel cards in the industry, special fuel benefits are given on a comparatively higher monthly fuel spend of ₹10,000

Drawbacks to consider
– You are restricted to BPCL outlets, to enjoy accelerated fuel rewards
– You need to consider other credit cards to earn rewards on other spend categories like travel

2.50% cashback on departmental store purchases || grocery purchases || dining spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback.

0.50% cashback on all other card spends
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
– Exception : No reward points are given on fuel purchases

Upto 1.50% additional cashback – on achieving 4 yearly credit card spend targets (milestone privileges program)
– You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend
– You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend
– You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend
– You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend
Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.
(1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback)

Complimentary visits to airport lounges in India – 2 times per quarter

Complimentary visits to airport lounges outside India – 6 times per year
– The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world
– You get complimentary Priority Pass membership worth US$ 99
– You get 6 free airport lounge visits per year (maximum 2 visits per quarter)

Low fee of 1.99% on international spends 

Complimentary Club Vistara Silver membership, benefits include-
– 1 complimentary upgrade voucher
– Priority airport check-in, at premium economy check-in counter
– Increased check-in baggage allowance

Complimentary Trident Privilege membership 
– Upon registration, you receive 1000 bonus welcome points.
– 10% instant saving on bookings made through the hotel website.
– You get 1500 bonus points on your first stay, and an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent

1 complimentary movie ticket (upto ₹250) at Bookmyshow - 2 times per month
– You need to book at least 2 movie tickets, at one time
– 2nd movie ticket is free, upto ₹250
– Offer is valid 2 times per month
– Hence you can get free movie tickets worth ₹6,000 every year (₹500 per month)

1% fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Fraud liability cover : You get a complimentary credit card fraud liability cover of ₹1 lakh.

Benefits
– Attractive reward rate on department store, grocery and dining spends, especially if you utilise the milestone privileges program.
– Shopping benefits have no monthly caps/limits and are valid for both online as well as offline spends.
– Attractive travel benefits like complimentary airport lounge access in India and abroad, low foreign exchange conversion fee, complimentary Club Vistara Silver membership.
– Easy redemption of reward points, since reward points can be converted to cashback and paid into your monthly card statement.
– Complimentary credit card fraud liability cover of ₹1 lakh. This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholders.

Drawbacks to consider
– High annual card spend target of ₹10 lakhs, to get annual fee waiver.
– Reward rate on travel spends is low, hence frequent travellers may need to look at other premium travel cards.

Upto 3.3% benefit on Landmark spends : 1.25% benefit on Landmark spends || Upto 2.1% additional benefit, based on achieving 3 annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 1.25% on Landmark spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 2.1% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
-– 1000 reward points worth ₹250, at ₹20000 yearly card spend at Landmark stores
– Additional 2000 reward points worth ₹500, at ₹45000 yearly card spend at Landmark stores
– Additional 5000 reward points worth ₹1250, at ₹95000 yearly card spend at Landmark stores
Hence you can get a total of 8000 reward points worth ₹2000, at ₹95,000 yearly card spend at Landmark stores – 2.1% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores).

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

1.25% benefit on dining spends and movie spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise.

0.25% basic benefit on all other spends
– You earn 1 reward point worth ₹0.25 (25 paise) , on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 8000 reward points worth ₹2000, at ₹2 lakh yearly card spend - 1% benefit

Fuel surcharge waiver, upto ₹100 per month : You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card entry level card for regular shoppers at Landmark outlets – you can earn upto 3.3% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

10% cashback on Samsung purchases, upto 5000 per month, and upto maximum 20,000 per year
You earn 10% cashback on Samsung purchases subject to below 2 conditions:
– 10% cashback is applicable only on purchases upto ₹2 lakhs per year, since you can earn a maximum cashback of ₹20,000 per year.
– And on purchases upto ₹50,000 per month, since you can earn a maximum cashback of ₹5000 per month

Important terms & conditions:
– Offer applicable on online purchases at – Samsung eStore https://www.samsung.com/in/ and Samsung Shop App
– Offer applicable on online purchases at Flipkart
– Offer applicable at physical stores under ‘Brand EMI’, on Pinelabs terminals and Benow Soft POS machines (on EMI purchases as well)
– Offer applicable at Samsung service centers, on PayU Soft POS machines.

3% benefit at select partners : You earn 15 reward points worth ₹3, on every ₹100 you spend at preferred merchants listed below :
– Zomato
– Bigbasket
– Myntra
– Tata 1mg
– Urban Company

3% benefit on international spends : You earn 15 reward points worth ₹3, on every ₹100 you spend on your card abroad.

1% basic benefit on all other card purchases : You earn 5 reward points worth ₹1, on every ₹100 you spend on all other card purchases.

Complimentary visits to airport lounges in India – upto 8 times per year 

Complimentary visits to airport lounges outside India – upto 6 times per year

Dining benefits through EazyDiner partnership – 25% discount (upto ₹800), once per month
– Valid once a month.
– You get a 25% discount (up to ₹800), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount% will fall below 25%.

Complimentary EazyDiner Prime membership for 1 year 

Fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India, only on fuel transactions between ₹400 and ₹5000.

Benefits
– Good card for purchasing Samsung products, upto 10% cashback
– Special benefits on 5 partners serving diverse needs
– Special benefit on international spending
– Complimentary airport lounge access within India and abroad

Drawbacks
– Attractive benefits are restricted to specific partners
– Low reward on travel spends, hence customers may need to also look for a good travel card

7% reward on all Shoppers Stop purchases
- You earn 7 reward points worth ₹7, on every ₹100 you spend in this category.
- This is valid only on spends upto ₹28570 per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.
- 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers

2% reward on all other card purchases
- You earn 2 reward points worth ₹2, on every ₹100 you spend in this category.
- This is valid on card spends upto ₹1 lakh per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.
- 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers..
- Exceptions : Please note that no reward points are given on fuel purchases, wallet loads, rent & utility spends, purchase of jewellery/gold coins or equivalents, EMI transactions, account fees and payment.

Complimentary visits to airport lounges in India – 4 times per quarter 

Complimentary visits to airport lounges outside India – 2 times per quarter 

Complimentary insurance covers
– Accidental air death cover of ₹3 crores.
– Emergency overseas hospitalisation cover up to ₹50 lakhs.

Fuel surcharge waiver upto ₹500 per month
– You get 1% fuel surcharge waiver at all fuel stations, only on fuel spends upto ₹50,000 per month (since the maximum waiver amount is capped at ₹500 per month).

Benefits
– Attractive reward rate on Shoppers Stop purchases
– Good reward rate of 2% on non-Shoppers Stop purchases
- Exclusive privileges as a Shoppers Stop First Citizen Black Tier member, such as no-queue billing, assisted shopping by a personal shopper, access to the First Citizen Black Lounge, 1 year exchange for garments, free beauty makeover for birthdays and anniversary, and an annual Black Day-exclusive online sale.

Drawbacks
- Attractive rewards are limited to Shoppers Stop, since rewards earned on even non-Shoppers Stop spends can only be redeemed at Shoppers Stop. Hence only suitable for those who like shopping frequently at Shoppers Stop

3% reward on all Shoppers Stop purchases
- You earn 3 reward points worth ₹3, on every ₹100 you spend in this category.
- This is valid only on spends upto ₹16,666 per month, since you can earn a maximum of 500 reward points in this category, in your monthly card statement cycle.
- 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers

1% reward on all other card purchases
- You earn 1 reward points worth ₹1, on every ₹100 you spend in this category.
- This is valid on card spends upto ₹1 lakh per month, since you can earn a maximum of 1000 reward points in this category, in your monthly card statement cycle.
- 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers..
- Exceptions : Please note that no reward points are given on fuel purchases, wallet loads, rent & utility spends, purchase of jewellery/gold coins or equivalents, EMI transactions, account fees and payment.

Fuel surcharge waiver upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations, only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel spends upto ₹25,000 per month (since the maximum waiver amount is capped at ₹250 per month).

Benefits
- Decent rewards on Shoppers Stop purchases
– Low fee card
– Complimentary Shopper Stop Membership

Drawbacks
– Comparatively low reward rate on non-Shoppers Stop card spends

Upto 3.3% benefit on Landmark spends : 1.25% on all Landmark spends || Upto 2.1% additional benefits, based on achieving specified annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores) 
✔︎ 1.25% on all Landmark spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 2.1% additional benefit, based on achieving 3 annual card spend levels at Landmark stores-
– 1000 reward points worth ₹250, at ₹20000 yearly card spend at Landmark stores
– Additional 2000 reward points worth ₹500, at ₹45000 yearly card spend at Landmark stores
– Additional 5000 reward points worth ₹1250, at ₹95000 yearly card spend at Landmark stores
Hence you can get a total of 8000 reward points worth ₹2000, at ₹95,000 yearly card spend at Landmark stores – 2.1% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores).

Reward points value and redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

1.25% benefit on - dining spends || movie spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed at Landmark stores.

0.25% basic benefit on all other card spends
– You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed at Landmark stores.
– Exceptions : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 8000 reward points worth ₹2000, at ₹2 lakh yearly card spend - 1% benefit

Fuel surcharge waiver, upto ₹100 per month : You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 3.3% on Landmark spends
– The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 9% benefit on Landmark spends : 3.75% on all Landmark spends || Upto 5.27% additional benefit, based on specified annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores) 
✔︎ 3.75% on all Landmark spends
– You earn 15 reward points worth ₹3.75, on every ₹100 you spend at Landmark outlets.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 5.27% additional benefit on Landmark spends, based on achieving 3 annual card spend levels at Landmark stores-
– 6000 reward points worth ₹1500, at ₹40000 yearly card spend at Landmark stores
– Additional 12000 reward points worth ₹3000, at ₹1 lakh yearly card spend at Landmark stores
– Additional 20,000 reward points worth ₹5000, at ₹1.80 lakh yearly card spend at Landmark stores
Hence you can get a total of 38000 reward points worth ₹9500, at ₹1.80 lakh yearly card spend at Landmark stores – 5.27% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets).

Reward points value and redemption process
– 1 reward point = ₹0.25 or 25 paise (since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.

0.50% basic benefit on all other card spends
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets
– Important exception : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program :
- 20,000 reward points worth ₹5000, at ₹5 lakh yearly card spend on all card purchases - 1% benefit.

Complimentary airport lounge access outside India – 4 times per year (maximum 2 visits per quarter)
– You get complimentary membership to Priority Pass program worth USD 99, which enables international airport lounge access
– You get 4 free visits per year, maximum 2 per quarter
– Additional visits are chargeable

Complimentary airport lounge access in India – 2 times per quarter 

Fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel spends upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 9% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment
– Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 6.2% benefit on Landmark spends : 2.5% on all Landmark spends || Upto 3.7% additional benefits, based on achieving specified annual card spend levels at Landmark stores.
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores) 
✔︎ 2.5% on all Landmark spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.
✔︎ Upto 3.7% additional benefit, based on achieving 3 annual card spend levels at Landmark stores-
– 2400 reward points worth ₹600, at ₹25000 yearly card spend at Landmark stores
– Additional 8000 reward points worth ₹2000, at ₹75000 yearly card spend at Landmark stores
– Additional 12000 reward points worth ₹3000, at ₹1.50 lakh yearly card spend at Landmark stores
Hence you can get a total of 22400 reward points worth ₹5600, at ₹1.50 lakh yearly card spend at Landmark stores – 3.7% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets)

Reward points value and redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.

0.50% basic benefit on all other card spends
– You earn 2 reward point worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.
– Exceptions : No reward points are earned on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 12,000 reward points worth ₹3000, at ₹3 lakh yearly card spend - 1% benefit.

Fuel surcharge waiver, upto ₹100 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 6.2% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Drawbacks
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

10% cashback on Swiggy apps : Food ordering || Instamart || Dineout || Genie – on purchases upto ₹15000 per month
– You earn ₹10 cashback, on every ₹100 you spend on Swiggy (food ordering, Instamart, Dineout, and Genie)
– This is valid only on purchases upto ₹15,000 per month, since this special cashback is capped at ₹1500 per monthly card statement cycle.
– Exceptions : Cashback not applicable on Swiggy Money wallet, Swiggy liquor, and Swiggy minis.
– Cashback is earned as Swiggy Money in your Swiggy account, and can used as cash on the Swiggy app only on the following Swiggy platforms – Food ordering || Instamart || Dineout || Genie .
– Swiggy Money expires after 1 year from the date of earning. Cashback is not given on transactions under ₹100

5% cashback on online purchases across various categories including Amazon and Flipkart – on purchases upto ₹30,000 per month
✔︎ You can earn ₹5 cashback, on every ₹100 you spend on online purchases across various categories given below, including Amazon and Flipkart :
– Large online discount stores like Flipkart, Amazon, Meesho, and Ajio.
– Department stores, apparel, and home decor
– Electronics
– Local cabs
– Entertainment
– Pharmacies & personal care
– Online pet stores
✔︎ This is valid only on purchases upto ₹30,000 per month, since this special cashback is capped at ₹1500 per monthly card statement cycle.
✔︎ Exception : Cashback will not be given on any grocery purchases and gift card purchases.
✔︎ Cashback is earned as Swiggy Money in your Swiggy account, and can used as cash on the Swiggy app, as explained in the point above.

1% basic cashback benefit on all other card spends – on purchases upto ₹50,000 per month
– You earn ₹1, on every ₹100 you spend on all other purchases –
– This is valid only on purchases upto ₹50,000 per month, since this cashback is capped at ₹500 per card statement cycle.
– Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

Benefits
– 10% cashback on various Swiggy services
– 5% cashback at important stores including Amazon, Flipkart, etc – catering to diverse needs

Drawbacks
– You need to be a regular Swiggy user, since all cashback is earned in the form of Swiggy Money, which can only be redeemed on Swiggy.

Upto 10% benefit on Tata Neu App, on partner Tata Brands
✔︎ 5% benefit on partner Tata brands on Tata Neu app: You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.
✔︎ Additional 5% benefit on select Tata brands on Tata Neu app, as a Tata Neu Pass member :
– As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

5% special benefit on select Tata brands, outside Tata Neu App 
– You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).
– This is valid only on non-EMI purchases.

1.50% basic benefit on all other card purchases : You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on all other card purchases

1.50% benefit on UPI spends (on Rupay card version) : You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Complimentary visits to airport lounges outside India – 1 time per quarter 

Complimentary visits to airport lounges in India – 2 times per quarter 

1% fuel surcharge waiver, upto ₹500 per month 
You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50,000 per month (since the waiver amount is capped at  ₹500 per monthly card statement cycle)

Complimentary insurance benefits
– Accidental air death cover worth ₹1 Crore,
– Emergency overseas hospitalisation coverage of up to ₹15 lakhs
– Lost card liability cover of up to ₹9 lakhs

Benefits
– Good card choice for those who like to shop at various Tata brands
– Complimentary airport lounge access both in India and abroad
– 1.50% rewards even on UPI spends, on Rupay variant of the card

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards

Upto 7% benefit on Tata Neu App, on partner Tata Brands
✔︎ 2% benefit on partner Tata brands on Tata Neu app: You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.
✔︎ Additional 5% benefit on select partner Tata brands on Tata Neu app, as a Neu Pass member :
– As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

2% special benefit on select Tata brands, outside Tata Neu App
– You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).
– This is valid only on non-EMI purchases.

1% basic benefit on all other card purchases : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on all other card purchases

1% benefit on UPI spends (on Rupay card version) : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Complimentary visits to airport lounges in India – 1 time per quarter

1% fuel surcharge waiver, upto ₹250 per month
You get a 1% fuel surcharge waiver , at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month (since the waiver amount is capped at  ₹250 per monthly card statement cycle)

Benefits
– Good card choice for those who like to shop at various Tata brands.
– Complimentary airport lounge access in India
– UPI enabled on Rupay version of card, along with 1% reward on UPI spends

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards

Upto 9% benefit on Landmark spends : 3.75% on all Landmark spends || Upto 5.27% additional benefit, based on specified annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 3.75% on all Landmark spends
– You earn 15 reward points worth ₹3.75, on every ₹100 you spend at Landmark outlets.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 5.27% additional benefit on Landmark spends, based on achieving 3 annual card spend levels at Landmark stores-
– 6000 reward points worth ₹1500, at ₹40000 yearly card spend at Landmark stores
– Additional 12000 reward points worth ₹3000, at ₹1 lakh yearly card spend at Landmark stores
– Additional 20,000 reward points worth ₹5000, at ₹1.80 lakh yearly card spend at Landmark stores
Hence you can get a total of 38000 reward points worth ₹9500, at ₹1.80 lakh yearly card spend at Landmark stores – 5.27% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets).

Reward points value and redemption process
– 1 reward point = ₹0.25 or 25 paise (since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.

0.50% basic benefit on all other card spends
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets
– Important exception : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program 
- 20,000 reward points worth ₹5000, at ₹5 lakh yearly card spend on all card purchases - 1% benefit.

Complimentary airport lounge access outside India – 4 times per year (maximum 2 visits per quarter)
– You get complimentary membership to Priority Pass program worth USD 99, which enables international airport lounge access
– You get 4 free visits per year, maximum 2 per quarter. Additional visits are chargeable

Complimentary airport lounge access in India – 2 times per quarter 

Fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel spends upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 9% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment
– Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

1.66% benefit on various shopping categories – Department stores || Jewellery || Apparels || Lifestyle goods
– You earn 6.66 Zen points worth ₹1.66 (one rupee and 66 paise), on every ₹100 you spend in these shopping categories.
– 1 Zen point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

0.83% benefit on all other card spends
– You earn 3.33 Zen points worth ₹0.83 (83 paise), on every ₹100 you spend on all other card purchases.
– 1 Zen point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.
– Exceptions : You get no cashback on fuel, EMI transactions and cash withdrawals.

Additional milestone benefits upto 0.6% : You get either –
– 7500 Zen points worth ₹1875 , when you spend ₹3 lakhs or more on your card each year.
OR
– 15000 Zen points worth ₹3750 , when you spend ₹6 lakhs or more on your card each year.
You get one of the two rewards listed above, at the end of the card anniversary year.

Complimentary airport lounge access outside India – 3 per year

Complimentary airport lounge access in India – 2 per quarter

Fuel surcharge waiver, upto ₹3500 per year : You get 1% fuel surcharge waiver-
– only on fuel transactions between ₹500 and ₹3000
– only on yearly fuel purchases of upto ₹3.50 lakhs (since the maximum waiver amount is limited to ₹3500 per year).

Railway surcharge waiver, upto ₹500 per year : You get rail surcharge waiver-
– 1.80% surcharge waiver for transactions made on the IRCTC website
– 2.50% surcharge waiver for transactions made at Indian railway booking counters
– Maximum waiver of ₹500 per year

Card sourcing locations – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

Benefits
– Good card for complimentary airport lounge access, both in India and abroad.
– Special benefits on shopping

Drawbacks to consider
– Overall reward rates on card spending are not very attractive, especially on other spending needs like travel, utility bill payments, fuel.

Lifetime free card

3%-5% cashback on Amazon India
– Amazon Prime members : You earn ₹5 (in Amazon Pay balance) on every ₹100 you spend on Amazon India – no monthly limit on earning this special cashback
– Non-Prime members : You earn ₹3 (in Amazon Pay balance) on every ₹100 you spend on Amazon – no monthly limit on earning this special cashback
Exceptions-
– No casback is given on the following spends on Amazon India – physical and digital gold, all types of EMI transactions, Amazon Business transactions.
– 2% cashback is given on the following spends on Amazon India – Amazon gift card purchases, and e-book purchases.

2% cashback on 100+ Amazon Pay partners, by paying through your Amazon Pay Wallet : You earn ₹2 (in Amazon Pay balance) on every ₹100 you spend on 100+ Amazon Pay partner merchants. Amazon Partner merchants include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder etc.

1% cashback on all other spends : You earn ₹1 on every ₹100 you spend on all other card purchases.

1% fuel surcharge waiver : You get fuel surcharge waiver at all fuel stations, on fuel transactions upto ₹4,000.

Welcome benefits (limited time offer) through Amazon account
– Prime members : You get a welcome offer of upto ₹2000 in the form of coupons and cashback upon activation.
– Non-Prime members : You get a welcome offer of upto ₹1500 in the form of coupons and cashback upon activation, along with 3 months of complimentary Prime membership.

Benefits
– Good reward rate on Amazon India – 5% unlimited cashback for Prime members, 3% unlimited cashback for non-Prime members.
– 2% unlimited cashback on over 100+ Amazon Pay Partners .
– Not only is the Amazon Pay ICICI Bank Credit Card free for life, it also has very good welcome offers.
– High cashback rewards on Amazon have no monthly spending limit to earn these rewards, unlike many other credit cards in the industry which have monthly restrictions on earning high rewards.

Drawbacks
– Cashback rate is low for non-regular Amazon users, and for those who prefer in-store shopping.
– No lifestyle benefits such as complimentary airport lounge access.
– 5% cashback is restricted to Prime members only

5% cashback on all online spends || 1% cashback on all other card spends
– You earn ₹5 cashback, on every ₹100 you spend on online transactions || You earn ₹1 cashback, on every ₹100 you spend on all other card transactions.
– Exceptions : No cashback is given on the following purchases & payments – rent, fuel, utility bills, insurance, wallet loads, school & educational services, jewelry, railways, EMI transactions, cash advances, balance transfer, returns & refunds.
– Maximum cashback given is restricted to ₹5000 per month.
– Cashback is credited to your card account, within 2 days of next card statement generation date.

1% fuel surcharge waiver, upto ₹100 per month
– Fuel surcharge is given only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Benefits
– Good card for those comfortable with online shopping and spending.
– No restrictions on online merchants or categories to earn 5% cashback, unlike many other cards in the industry.

Drawbacks
– Not a good card for those who are not comfortable with online shopping and spending , since cashback rate of 1% is low for such purchases
– High annual card spend requirement (of ₹2 lakhs) to get annual fee waiver.

3.20% reward on department store & apparel shopping (10X) :
– 16 EDGE reward points worth ₹3.20, on every ₹100 you spend at department stores and apparel purchases.
– This accelerated earning rate is given only on total purchases upto ₹7000 per month.
– 1 EDGE reward point = 0.20 (20 paise), and can be redeemed on Axis Bank’s rewards redemption platform for a variety of vouchers, products and more.

0.32% basic reward on all other card spends (X) : You earn 1.60 EDGE reward points worth ₹0.32 (32 paise), on every ₹100 you  spend on all other card spends.

Additional milestone benefits, upto 1% :
– You earn bonus 1500 EDGE reward points worth ₹300, upon spending ₹30,000 on your card, within your monthly card statement cycle.
– 1 EDGE reward point = 0.20 (20 paise), and can be redeemed on Axis Bank’s rewards redemption platform for a variety of vouchers, products and more.

Complimentary visits to airport lounges in India – 2 times per quarter 

1% fuel surcharge waiver, upto ₹400 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹40,000 per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle

30% discount (upto ₹150 per order) on Swiggy – 2 times per month
– You get 30% discount on Swiggy, upto ₹150 discount per order. To avail this discount, a minimum order value of ₹200 is required.
– Hence you get a 30% discount on Swiggy orders between ₹200 and ₹500. On orders above ₹500, your discount percentage will fall below 30%.
– You can avail the above offer 2 times per month.

Complimentary insurance benefits
– ₹1 lakh purchase protection cover
– US$ 300 coverage for loss of travel documents and check-in baggage delay
– US$ 500 coverage for check-in baggage loss
– ₹1 lakh credit shield cover

Benefits
– Good reward rate on offline shopping (department stores and apparel purchases). Since many cards in the industry give high rewards mainly on online shopping.
– Complimentary airport lounge access and Swiggy benefits

Drawbacks
– High reward rate at department stores & apparel purchases restricted to total monthly card spend of ₹7000 in these categories
- Frequent travellers would need to look for good travel cards since this card does not offer attractive benefits on travel spends.

2% benefit on shopping purchases - on purchases upto ₹20,000 per month.
- You earn 10 EDGE reward points worth ₹2, on every ₹100 you spend on shopping purchases – only on purchases upto ₹20,000 per month.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s reward redemption platform.
– This special reward point earning rate is given only on shopping purchases upto ₹20,000 per month, after which you get basic benefit rate of 1%.

1% basic benefit on all other spends
– You earn 5 EDGE reward points worth ₹1, on every ₹100 you spend on all other purchases.
– Exceptions : No reward points are given on the following spends – fuel, rent, wallet load, jewellery, EMI transactions, cash advances, payment of outstanding balances, payment of card fees and other card charges.

Milestone benefits : You get additional benefits, based on annual card spends
– You earn 5000 EDGE points worth ₹1000, when your annual card spend reaches ₹3 lakhs (rent and wallet spends are not included)

Complimentary airport lounge access abroad – 12 times per year
– You get international airport lounge access through the Priority Pass Program
– Priority Pass membership is activated by doing one transaction on your card, within 90 days of receiving the card.
– Your complimentary Priority Pass is renewed each year, only if you spend ₹3 lakhs or more on your card, in the previous year.

Complimentary airport lounge access in India – upto 2 times per quarter

20% discount (upto ₹500) on online grocery purchases at BigBasket
– Offer valid once per month, only on online orders (website, mobile site and app)
– You get 20% discount (upto ₹500), on BigBasket spends. Minimum purchase of ₹2000 is necessary.
– Hence you get 20% discount on a BigBasket orders between ₹2000 and ₹2500, once per month. On an order above ₹2500, your discount percentage will fall below 20%.
– Offer not applicable on products from Bigbasket Specialty Store, and excludes the following products – baby cereals, baby foods, infant formula, organic baby foods and Srilalitha rice of all pack sizes.

BookMyShow BOGO (Buy One Get One Free) movie offer, upto ₹300 per month
– Offer valid once per month.
– You get upto ₹300 off on the 2nd ticket.

Swiggy offer : ₹200 discount (upto 40%) - twice a month
– You can avail this discount 2 times a month
– You get a ₹200 discount, on minimum orders of ₹500, twice a month
– Hence you get a 40% discount on orders of ₹500, discount percentage will fall on orders over ₹500

Dining Delight program with EazyDiner – 25% discount (upto ₹800) at restaurants, once every month
– This offer can be redeemed once every month.
– You get a 25% discount up to ₹800, at over 4000 restaurants nationwide.
– Minimum order amount of ₹2500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount percentage will be below 25%.

Complimentary golf rounds – upto 9 per year
– You get 6 complimentary golf rounds per year.
– You get additional 3 complimentary golf rounds per year, upon reaching ₹3 lakh yearly card spend

Fuel surcharge waiver, upto ₹400 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on upto ₹40,000 fuel spend per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle.

Benefits
– Good benefit rate on offline shopping also (since many cards in the marketplace give high rewards only on online shopping), especially if you combine this with lifestyle benefits (airport lounges and golf), and also various partner programs (BigBasket, BookMyShow, Swiggy and Eazydiner).

Drawbacks to consider
– You may need to consider other cards to earn rewards on your other major spending needs like travel.

7.25% earning on fuel purchases, including 1% fuel surcharge waiver - on fuel purchases up to ₹10,000 per month
✔︎ 6.25% benefit on BPCL fuel purchases
– You earn 25 reward points worth ₹6.25, on every ₹100 you spend on BPCL fuel purchases
– This benefit is valid only on fuel purchases up to ₹10,000 per month (since the maximum reward points given at this special rate is 2500 reward points per month).
– This benefit is valid only on BPCL lubricant purchases and Bharat Gas (website and app only). On Bharat Gas, special reward points are restricted to 500 reward points per monthly card billing cycle.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed by converting them to BPCL vouchers.
✔︎ 1% fuel surcharge waiver at BPCL fuel pumps, upto ₹100 per month
– This benefit is valid only on fuel transactions upto ₹4000, and
– Only on fuel spends upto ₹10,000 per month (since the waiver amount is limited to ₹100 per month)

2.50% benefit on following card spends - groceries || departmental stores || movies || dining - on total spends of up to ₹75,000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
– This benefit is valid only on total spends of up to ₹75,000 per month across these categories (since the maximum reward points given at this special rate is 7500 reward points per month).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed by converting them to BPCL vouchers.

0.25% basic benefit on all other card spends
– You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other card purchases.
– Exceptions : No reward points are given on mobile wallet loads and non-BPCL fuel spends.

Upto 0.66% additional benefit at ₹3 lakhs annual card spend (milestone privileges)
– You receive gift vouchers worth ₹2000 (from Aditya Birla Fashion, Yatra, or Bata/Hush Puppies), at ₹3 lakh yearly card spend.

Complimentary airport lounge access in India – 1 time per quarter

Complimentary ‘fraud liability’ insurance cover of ₹1 lakh - giving peace of mind in case the card is misused.

Benefits
– Attractive benefit rate of 7.25%% on monthly fuel spends at BPCL outlets – 6.25% on fuel purchases, and 1% waiver on fuel surcharge.
– Good benefit rate of 2.50% on groceries, departmental stores, movies & dining. This is a good rate if you do not want to get multiple specialist cards for different categories of your spends.
– Complimentary domestic airport lounge access, 1 visit per calendar quarter

Drawbacks
– You are restricted to BPCL Outlets to enjoy fuel benefits
– You need to consider other credit cards to earn rewards on other spend categories like travel

Low annual card spend requirement of  ₹35000, to get annual fee waived off
- Hence the card is virtually free from 2nd year onwards, if you spend ₹35000 or more in the previous year

1.25% cashback on department store purchases || movie spends 
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– This is valid only on combined total purchases upto ₹20,000 per month, across these categories. Since you can earn a maximum number of 1,000 reward points at this accelerated rate, per monthly card statement cycle.
– 1 reward point = ₹0.25, and can be redeemed as cashback.

0.25% cashback on all card other spends 
– You earn 1 reward points worth ₹0.25 or 25 paise, on every ₹100 you spend on all other purchases
– 1 reward point = ₹0.25, and can be redeemed as cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend Categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.5 reward point worth 12 paise, on every ₹100 you spend.

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Annual fee is waived, at ₹35,000 yearly card spend
– 1.25% cashback on department store purchases and movie spends.
– Easy reward points redemption process, you can redeem your reward points for cashback.

Drawbacks to consider
– Overall reward rates are comparatively low.

Lifetime free card, exclusively for Indian Army Personnel

2.50% cashback on department store and grocery purchases
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on total purchases upto ₹10,000 spends per month, across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card statement cycle.

0.50% cashback on all other card spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

1% fuel surcharge waiver at all fuel stations across India 
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Indian Coast Guards Personnel

2.50% cashback on department store and grocery purchases
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

Fuel surcharge waiver 
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Assam Rifles Personnel

2.50% cashback on department store and grocery purchases – on purchases upto ₹10,000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions:
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Indian Defence Personnel
– There is no annual fee charged on the card, the card is lifetime free.
– Welcome offer : You get a complimentary 3 month Disney Hotstar subscription, on card activation.

1.25% cashback on department store purchases, grocery purchases and movie spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– Only on combined total purchases upto ₹20,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.
– 1 reward point = ₹0.25, and can be redeemed as cashback

0.25% cashback on all other spends
– You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed as cashback.
– Exceptions-
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.5 reward point worth 12 paise, on every ₹100 you spend.

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– On fuel transactions between ₹400 and ₹5,000 only AND
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Complimentary insurance benefits : You get free ‘Accidental Death Cover’ (Air & Non-Air : ₹20 lakhs), for financial protection of your family

Zero liability on lost card : In case you lose your credit card, you need to report loss of card immediately to ensure zero liability on any fraudulent transactions.

Benefits
– Lifetime free card, there is no annual fee
– Higher cashback of 1.25% on department store & grocery purchases, and also on movie spends

Drawbacks to consider
– You could get higher rewards on other cards.

5% benefit at Fabindia stores
– You earn 5 reward points worth ₹5, on every ₹100 you spend at Fabindia.
– 1 reward point = 1 Fabfamily Reward = ₹1.
– You need to convert your reward points into Fabfamily Rewards, through website/mobile or call center. Fabfamily Rewards can then be used for shopping at all Fabindia stores

2% benefit on dining, movies & entertainment spends
– You earn 2 reward points worth ₹2, on every ₹100 you spend on these categories.
– 1 reward point = 1 Fabfamily Reward = ₹1.

1% benefit on all international spends
– You earn 1 reward points worth ₹1, on every ₹100 you spend on all international spends.
– 1 reward point = 1 Fabfamily Reward = ₹1.

0.50% benefit on all other card spends
– You earn 0.50 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other spends.
– 1 reward point = 1 Fabfamily Reward = ₹1.

Upto 0.75% additional benefit, at ₹1 lakh quarterly card spend (milestone benefit)
– You get ₹750 worth gift voucher, at ₹1 lakh quarterly card spend
– Choice of gift vouchers from Aditya Birla Fashion, Yatra, Hush Puppies / Bata

Fuel surcharge waiver, upto ₹100 per month 
– This benefit is valid only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Benefits
– Good card for regular shoppers of Fabindia, you can earn 5% on Fabindia spends

Drawbacks to consider
– You need to consider other credit cards to earn rewards on non-Fabindia spends

▶︎ 1.3% benefit on specific travel and shopping categories – Travel Agencies & Tour Operators || Package Tour Operators || Airlines and Air Carriers || Departmental Stores || Durable Goods || Electric Sales
– You earn 5.33 reward points worth ₹1.3, on every ₹100 you spend in these travel and shopping categories.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

▶︎ 0.66% benefit on all other card spends – if total yearly card spend is below ₹2 lakhs
– You earn 2.66 reward points worth ₹0.66 or 66 paise, on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

▶︎ 1.33% benefit on all other card spends – if total yearly card spend is above ₹2 lakhs
– You earn 5.33 reward points worth ₹1.3, on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

▶︎ Milestone benefits upto 2%
– You get 10,000 reward points worth ₹2500 , when you spend ₹1,25,000 or more on your card every 6 months.

▶︎ Complimentary airport lounge access in India – 2 per quarter

▶︎ Fuel surcharge waiver : You get 1% fuel surcharge waiver
– only on fuel transactions between ₹500 and ₹3000
– only on yearly fuel purchases of upto ₹3.50 lakhs (since the maximum waiver amount is limited to ₹3500 per year).

▶︎ Rail surcharge waiver
– At www.irctc.co.in, and on Indian Railways Booking Counters
– Maximum railway surcharge waiver allowed in a calendar year is ₹500
– Customers will not earn reward points on railway transactions

▶︎ Dedicated service – ‘KASSIST’
– Instead of you trying to reach Kotak, they will reach you. You need to SMS “KASSIST” to 5676788, and they will call you back within 30 minutes.

▶︎ Card sourcing locations – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

Benefits
– Good travel and shopping rewards possible, for those who spend approximately 20,000 per month. This can help you earn around 3% on all your card spends since you will achieve milestone benefits, as well as achieve card spend target to achieve annual fee waiver
– Complimentary domestic airport lounge access

Cons
– Benefits are low if your card spending is low, and you do not achieve milestone benefits

10% benefit at Fabindia stores
– You earn 10 reward points worth ₹10, on every ₹100 you spend at Fabindia stores.
– 1 reward point = 1 Fabfamily Reward = ₹1.
– You need to convert your reward points into Fabfamily Rewards, through website/mobile or call center. Fabfamily Rewards can then be used for shopping at all Fabindia stores.

3% benefit on dining, movies & entertainment spends
– You earn 3 reward points worth ₹3, on every ₹100 you spend on these categories.
– 1 reward point = 1 Fabfamily Reward = ₹1

2% benefit on all international spends
– You earn 2 reward points worth ₹2, on every ₹100 you spend abroad
– 1 reward point = 1 Fabfamily Reward = ₹1

1% benefit on all other card spends 
– You earn 1 reward points worth ₹1, on every ₹100 you spend on all other card transactions
– 1 reward point = 1 Fabfamily Reward = ₹1

Upto 0.6% additional benefit, at ₹2 lakh quarterly card spend (milestone benefit)
– You get a ₹1250 worth gift voucher, at ₹2 lakh quarterly card spend
– Choice of gift vouchers from Aditya Birla Fashion, Yatra, Hush Puppies / Bata

Complimentary access to domestic airport lounge – 1 per quarter

Complimentary Priority Pass membership worth USD 99
– You get complimentary Priority Pass membership worth USD 99, which enables access to international airport lounges across the world.
– But each lounge visit is on a chargeable basis, USD 32 per visit (please refer to Priority Pass website to get latest charges).

1% fuel surcharge waiver, upto ₹100 per month 
– This benefit is valid only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Benefits
– Good card for regular shoppers of Fabindia – you can earn 10% on Fabindia spends
– You also get complimentary access to domestic airport lounges – 1 per quarter . And free Priority Pass membership worth USD 99.

Drawbacks to consider
– You need to consider other credit cards to earn rewards on non-Fabindia spends

5% cashback on Flipkart : You earn ₹5 cashback, on every ₹100 you spend on Flipkart. No monthly limits on earning cashback at this special rate.

4% cashback on preferred merchants – Swiggy || Uber || PVR || Cleartrip || Cult Fit : You earn ₹4 cashback, on every ₹100 you spend at these select partners. No monthly limits on earning cashback at this special rate.

1.50% cashback on all other spends
- Exceptions: No cashback is given on fuel spends, purchase of gift cards on Flipkart & Myntra, all EMI transactions, wallet loading transactions, purchase of jewellery items , insurance services, utilities, educational services, government services, cash advances, rental payments, payment of outstanding balances, payment of card fees and other card charges.

Complementary domestic airport lounge access – 4 times per year

1% fuel surcharge waiver, upto ₹400 per month  : You get fuel surcharge waiver at all fuel stations-
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹40,000 per month (since waiver amount is capped at ₹400 per monthly card statement cycle)
– Both the above conditions need to be met to avail fuel surcharge waiver

Benefits
– 5% cashback on Flipkart purchases
– 4% cashback rate at select partners – Swiggy, Uber, PVR, Cleartrip, Tata Play, Cult Fit
– Complimentary airport lounge access at domestic airports – 4 per calendar year
– Welcome offers worth ₹600

Drawbacks
– High annual spend target (of ₹3.50 lakhs) to get renewal fee waiver

16% reward (in terms of Flipkart SuperCoins) on Flipkart purchases for Plus members – only on Flipkart transactions upto ₹2500
– Get 16 SuperCoins on every ₹100 you spend at Flipkart (12 SuperCoins from the card, and 4 SuperCoins which you get without the card on Flipkart)

8% reward (in terms of Flipkart SuperCoins) on Flipkart purchases for non-Plus members – only on Flipkart transactions upto ₹2500
– Get 8 SuperCoins on every ₹100 you spend at Flipkart (6 SuperCoins from the card, and 2 SuperCoins which you get without the card on Flipkart)

2% reward (in terms of Flipkart SuperCoins) on all other card purchases
– Get 2 SuperCoins on every ₹100 you spend on all other card purchases
– Exceptions : SuperCoins are not given on the following card spends & purchases – fuel, gift cards on Flipkart, EMI transactions, wallet loading transactions , jewellery, cash advances, payment of outstanding balances, payment of card fee and other card charges, third party integrated purchase like Flipkart Health, management fee, rental commissions, rental payments.

Value of 1 SuperCoin
– You can get the value of 1 SuperCoin on the Flipkart platform
– You could get a value anywhere between 25 paisa to around a rupee, depending on your redemption choice.

Benefits
– High reward rate on Flipkart purchases, but only on small transactions of upto ₹2500
– Good welcome offers

Drawbacks to consider
– Low transaction cap of ₹2500, to get high reward on Flipkart purchases
– Value of 1 Flipkart SuperCoin is dynamic, and depends on your redemption choice

3.3% cashback at 5 partners – Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy, on total purchases upto ₹18750 per month
– You earn 13.3 cash points worth ₹3.3, on every ₹100 you spend at these partners – only on purchases upto ₹18,750 per month
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

1.67% cashback on EMI transactions at merchant locations
– You get 6.66 CashPoints worth 1.67, on every ₹100 you spend on EMI transactions at the time of purchase
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

0.33% cashback on all other card spends
– You get 1.33 CashPoints worth 33 paise, on every ₹100 you spend on all other card purchases.
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

Upto 1% additional milestone benefits : You get gift vouchers worth ₹500, at ₹50,000 quarterly card spend

1% fuel surcharge waiver, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases of upto ₹25,000 per month only (since the maximum waiver amount is capped at ₹250 per monthly card statement cycle)

Benefits
– 3.3% cashback at important merchants including Amazon, Flipkart, etc, catering to diverse needs
– Low yearly card spend target of ₹50,000, to get annual fee waiver. Hence the card is virtually free at ₹50,000 yearly card spend.

Drawbacks to consider
– 3.3% cashback is restricted to certain merchants

Cashback at various partners –
✔︎ 5% special cashback on a variety of partners including Amazon
– Shopping : Amazon || Amazon Prime || Big Basket || Grofers || Myntra || Furlenco
– Travel : Goibibo || MakeMyTrip || Ola
– Dining : Zomato || Swiggy
– Entertainment : Gaana || BookMyShow || PVR || Inox
– Health & Fitness : Fitternity
✔︎ 1% cashback on all other card spends
✔︎ Restrictions : Maximum ₹750 cashback given, per month

7% discount on domestic hotels || 4% discount on domestic flights - at Goibibo
– 7% discount (upto ₹5000 per month) on domestic hotels - at Goibibo
– 4% discount (upto ₹600 per month) on domestic flights - at Goibibo

5% discount (upto ₹300 per month) - at Tata CLiQ
– 5% discount at Tata CLiQ, on spends upto ₹6000 per month (since maximum discount is restricted to ₹300 per month)
– 5% discount is applicable only on orders above  ₹1000

Complimentary domestic airport lounge access – once per month

Complimentary rail lounge access – once per month

Complimentary 2-month Eazydiner Prime membership

Complimentary 6-month Mindhouse app subscription

Fuel surcharge waiver
– You get 1% fuel surcharge waiver only on fuel transactions upto ₹4000, and only at HPCL pumps

Benefits
– 5% cashback on a variety of partners including Amazon
– Hotel (7%) & flight (4%) discounts at Goibibo
– Complimentary domestic airport lounge access (once per month), and rail lounge access (once per month)
– Complimentary 2-month Eazydiner Prime membership, and complimentary 6-month Mindhouse app subscription

Drawbacks to consider
– You need to stick to select partners to enjoy cashback and discount benefits

Lifetime free card, exclusively for Indian Defence and Paramilitary personnel

1.25% benefit on canteen stores departments (CSD) purchases || grocery purchases || department store purchases (5X)
– You get 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– This is valid only on total monthly purchases upto ₹20,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.25% benefit on all other spends (X)
– You earn 1 reward points worth ₹0.25 (25 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.
– Note : No reward points are given on fuel purchases, utility bills, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal Loan on credit card fees and other charges.

Complimentary domestic airport lounge access – 1 time per quarter

Complimentary insurance benefits
– Personal accident insurance of ₹2 lakh
– Air accident cover of ₹20 lakhs

Fuel surcharge waiver, upto 250 per month : You get a 1% waiver fuel surcharge waiver-
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹25000 per month (since the waiver amount is limited to ₹250 per month)

Benefits
– Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
– Higher benefit of 1.25% on various types of shopping purchases including canteen stores departments (CSD) purchases. And also on grocery and department store purchases
– Complimentary domestic airport lounge access – 1 time per quarter

Drawbacks to consider
– Reward rates on card spending are comparatively low.

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

2.50% benefit on canteen stores departments (CSD) purchases || grocery purchases || department store purchases (5X)
– You get 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– This is valid only on total monthly purchases upto ₹10,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.50% benefit on all other card spends (X)
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.
– Note : No reward points are given on fuel purchases, utility bills, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal Loan on credit card fees and other charges.

Complimentary international airport lounge access – 2 times per year

Complimentary domestic airport lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary domestic railway lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary golf rounds, upto 4 rounds per month
– You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
– Upto a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

Complimentary insurance benefits
– Personal accident insurance of ₹2 lakh
– Air accident cover of ₹20 lakhs

Benefits
– Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
– Higher benefit of 2.50% on various types of shopping purchases including canteen stores departments (CSD) purchases. And also on grocery and department store purchases
– Complimentary international airport lounge access (2 times per year)
– Complimentary domestic airport lounge access (2 times per quarter)
– Complimentary domestic railway lounge access (2 times per quarter)
– Complimentary golf rounds, upto 4 rounds per month

Drawbacks to consider
– The reward rate on non-shopping spends like travel, fuel etc is low

6.50% earning on fuel purchases
✔︎ 4% cashback on all HPCL fuel purchases
– You earn ₹4 cashback, on every ₹100 you spend at HPCL pumps.
– This is valid only on HPCL fuel purchases upto ₹5,000 per month.
✔︎ 1.50% additional benefit on HPCL fuel purchase, only through HP Pay App
– You earn additional 6 Payback Points worth ₹1.50, on every ₹100 you spend at HPCL outlets through the HP Pay app.
– This is valid only on fuel purchases upto ₹5,000 per month.
– 1 Payback point = ₹0.25 (25 paise), and can be redeemed on Payback India (now called zillionrewards).
✔︎ 1% fuel surcharge waiver at all fuel stations – only on fuel purchases upto ₹4000 per month, since the maximum waiver amount is restricted to ₹40 per month.

5% benefit on departmental store purchases || electricity/ mobile bill payments
– You earn 20 reward points worth ₹5, on every ₹100 you spend in these categories. 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.
– This benefit is valid only on total purchases of upto ₹2000 per month in these categories, since you can earn a maximum of 400 accelerated reward points per month.

0.50% benefit on all other card purchases 
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other purchases.
- 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

Complimentary airport lounge access in India – 1 per quarter 
– This is valid in a particular quarter only if you have spent a minimum of ₹5000 in the previous quarter.

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (upto ₹100) at Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month, at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

24/7 automobile assistance privileges – including assistance over the phone, “on-site” vehicle repair, locked or lost keys support, flat tyre support, battery jumpstart, battery replacement & fuel delivery.

Benefits
– Attractive benefit of 6.50% on HPCL fuel spends
– 5% benefit at departmental stores, electricity & mobile bills
– Complimentary lounge access at domestic airport lounges
– Movie ticket benefits of upto ₹400 per month
– 24/7 automobile assistance privileges

Drawbacks
– May not be suitable for high fuel spenders (monthly fuel expenses exceeding ₹5000)
– Low monthly spend limit to get 5% benefit on departmental store purchases, and on electricity & mobile bill payments.
– You will need to consider other cards to earn higher reward on non-fuel spends

No annual fee from 2nd year onwards

You need to choose any one, amongst the 4 rewards plans given below :
1. Shop Plan : 1.60% cashback on department store purchases || 0.80% cashback on purchase of consumer durables or electronic items || 0.60% cashback on restaurant bills & book purchases || 0.20% cashback on all other card spends
2. Home Plan : 1.60% cashback on grocery purchases || 0.60% cashback on medical spends || 0.56% cashback on electricity bills , mobile bills and insurance spends || 0.20% cashback on all other card spends
3. Travel Plan : 1.60% cashback on hotel expenses || 1% cashback on airline tickets || 0.60% cashback on rail tickets and car rental expenses || 0.20% cashback on all other card spends
4. Party Plan : 1.60% cashback on restaurant bills || 0.80% cashback on departmental store shopping, and on bars & pubs spends || 0.60% vashback on movie tickets || 0.20% cashback on all other card spends
(1 reward point =₹0.40 as cashback.You can also convert your reward points to Vistara Points and InterMiles at a slightly better rate, 1 reward point = 0.50 Club Vistara Point / 1 InterMile).

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only

Total Protect : This covers your card for unauthorised transactions in case of –
– Loss or theft of the card, and
– Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
Protection is upto the credit limit of your credit card.

Travel related insurance (Travel Plus Program), applicable on international travel
– Lost baggage upto ₹1 lakh
– Delayed baggage upto ₹25,000
– Loss of passport upto ₹50,000
– Lost ticket upto ₹25,000
– Missed connection upto ₹25,000

Benefits
– No annual fee from the 2nd year onwards
– Flexible rewards plan : You can choose any one out of the 4 plans available, and can earn upto 2% on the category of your choice, which is a good reward rate for a card which is free from the 2nd year onwards.

Drawbacks
– You would need to consider other cards, to earn rewards on other spends (other than the category you choose)

Flights & hotels discount offers on Yatra-

1. ₹1000 discount (upto 20%) on domestic flight bookings on Yatra website/app (minimum flight booking amount of ₹5000)
– You get a ₹1000 discount on minimum flight booking amount of ₹5000.
– Hence, you get a 20% discount if the flight booking amount is ₹5000.
– The discount percentage falls as the booking amount increases above ₹5000.

2. ₹4000 discount (upto 10%) on international flight bookings on Yatra website/app (minimum flight booking amount of ₹40,000)
– You get a ₹4000 discount on minimum flight booking amount of ₹40,000.
– Hence, you get a 10% discount if the flight booking amount is ₹40,000.
– The discount percentage falls as the booking amount increases above ₹40,000.

3. 20% discount (upto ₹2000) on domestic hotel bookings on Yatra website/app (minimum hotel booking amount of ₹3000)
– You get a 20% discount (upto maximum ₹2000), on minimum hotel booking amount of ₹3000.
– Hence you get a 20% discount on hotel bookings between ₹3000 and ₹10,000.
– On booking amounts above ₹10,000, the discount percentage falls below 20%.

(You can avail above discount offers maximum 6 times a year, by using a specified discount code on Yatra)

1.50% benefit on following card spends - departmental stores || grocery || dining || movies || entertainment
– You earn 6 reward points worth ₹1.50, on every ₹100 you spend in these categories
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI's rewards redemption plaform for Yatra vouchers
– This benefit is valid only on total spends of upto ₹83,333 per month in these categories (since you can earn a maximum of 5000 reward points at this special rate in your monthly card statement cycle).

1.50% benefit on international spends
– You earn 6 reward points worth ₹1.50, on every ₹100 you spend on international card transactions
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI's rewards redemption plaform for Yatra vouchers
– This benefit is valid only on total spends of upto ₹83,333 per month (since you can earn a maximum of 5000 reward points at this special rate in your monthly card statement cycle).

0.25% benefit on all other card spends : You earn 1 reward point worth ₹0.25, on every ₹100 you spend on all other purchases.

1% fuel surcharge waiver, upto ₹100 per month 
You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month  (since the waiver amount is capped at ₹100 per monthly card statement cycle)

Complimentary ‘air accident cover’ of ₹50 lakhs

Benefits
– Attractive discounts on hotels & flights (10% – 20%).
– Complimentary air accident cover of ₹50 lakhs , which provides peace of mind.
– Attractive Yatra welcome offer of over ₹8,000

Drawbacks
– You are restricted to Yatra travel platform, to earn special travel discounts
– Not suitable for travellers who prefer to travel by train, they should consider railway booking credit cards