Fashion/ Apparel Offers Credit Cards in India 2026

2.50% benefit at Aditya Birla Fashion (online and retail stores) - Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry. And also Vodafone Idea (Vi)
– 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform. Redemption options can be restrictive. On many redemption options, you would get a value lower than 25 paise for each reward point.

1.25% benefit on dining & entertainment spends || hotel spends
– 5 reward points worth ₹1.25, on every 100 you spend on these categories
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform

0.12% benefit on all other card spends
– 0.5 reward point worth ₹0.12 (12 paise), on every 100 you spend on all other card transaction
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform
– Exceptions : No reward points are given on fuel spends, utilities, and mobile wallet upload

Additional reward, upto 0.66% (milestone benefit)
– 2000 reward points worth ₹500, at ₹1 lakh annual card spend (0.50% benefit)
– Additional 2000 reward points worth ₹500, at ₹1.50 lakh annual card spend. Hence you could earn 4000 reward points worth ₹1000, at ₹1.50 lakh annual card spend (0.66% benefit)

Fuel surcharge waiver upto ₹100 per month
– 1% fuel surcharge waiver, on fuel transactions upto ₹3000 only, and
– Only on fuel spends upto ₹10000 per month, since the maximum waiver is capped at ₹100 per month.

Benefits
– Good card for frequent shoppers at Aditya Birla stores

Drawbacks to consider
– Redemption options can be restrictive. On many redemption options, you would get a value lower than 25 paise for each reward point.
- You need to consider other cards to earn higher rewards on non-Aditya Birla spends

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.

5% cashback on various spends at Paytm – Prepaid recharges || Utility bill payments || Movie tickets || Mini App
– You earn 5 cashpoints worth ₹5, on every ₹100 you spend on these Paytm transactions – only on spends upto ₹30000 per month (since maximum cashback at this special rate is restricted to ₹1500 per month)
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

3% cashback on select partners – Swiggy || AJIO || Big Basket || Uber
– You earn 3 cashpoints worth ₹3, on every ₹100 you spend at these select partners – only on spends upto ₹16,666 per month (since maximum cashback at this special rate is restricted to ₹500 per month).
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

1% cashback on all other spends
– You earn 1 cashpoints worth ₹1, on every ₹100 you spend on all other transactions – only on spends upto ₹1,00,000 per month (since maximum cashback is restricted to ₹1,000 per month)
– Exceptions – Cashback is not given on wallet loads, fuel spends, EMI spends, rental spends and government spends.
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

Milestone benefit – additional benefit upto 1%, on quarterly card spend of ₹50,000
– You earn ₹500 upon spending ₹50,000 or more on your card each quarter (only for non-EMI, non-wallet and non-rental card spends).

Complimentary domestic airport lounge access – 2 per quarter

Fuel surcharge waiver at all fuel stations, upto ₹500 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50000 per month, since the maximum waiver is limited to ₹500 per month

Benefits
– Good card for Paytm users, you get good cashback on various Paytm spends
– You also get higher cashback on select partners
– Complimentary domestic airport lounge access – 2 per quarter

Drawbacks to consider
– Not a good card for other major spending needs like shopping, fuel etc.

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

10% instant discount at BookMyShow, upto ₹300 per month
– You get 10% discount on movie ticket purchases, on purchases upto ₹3000 per month (since the maximum discount is restricted to ₹300 per month)

10% instant discount at Myntra || Uber || Zomato – upto ₹300 per month
– You get 10% discount in these categories, on total purchases upto ₹3000 per month (since the maximum discount is restricted to ₹300 per month)

1.25% benefit on online purchases (5X) || 0.25% benefit on offline purchases (X)
– You get 5 reward points (worth ₹1.25), on every ₹100 you spend on online purchases
– You get 1 reward points (worth ₹0.25), on every ₹100 you spend on offline purchases
– 1 reward point ≈ ₹0.25, on travel and shopping redemptions usually. Please note that on certain redemption options the value of 1 reward point could be as low as 11 paise. Please visit RBL’s reward redemption platform for the exact values on different options.

Milestone benefit, of upto 1%
– You get ₹1000 voucher, at yearly card spend of ₹2 lakhs (0.50% benefit)
– You get ₹5000 voucher, at yearly card spend of ₹5 lakhs (1% benefit)
(choice of vouchers from Shoppers Stop, Croma, Myntra, Flipkart, and Amazon)

Fuel surcharge waiver, upto ₹150 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4000 only, and
– On fuel purchases upto ₹15000 per month, since the waiver amount is restricted to ₹150 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹150 in all cases

Benefits
– Monthly fee instead of annual fee, hence more flexibility
– Offers with various partners for movies, e commerce, food ordering, local cab rides

Drawbacks
– You are restricted to specific partners to earn rewards
– 10% discount at various partners available only on small purchases amounts

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

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

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

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% 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

7.50% special discount on Myntra : You get 7.50% discount on Myntra purchases, on all Myntra transactions upto ₹10,000. Since the maximum discount available per transaction is ₹750.

5% cashback on select partners 
– You earn ₹5, on every ₹100 you spend on Swiggy Instamart (grocery) || Swiggy (food delivery) || PVR (movies) || Cleartrip (travel) || Urban Company (beauty salon services, cleaning, home repairs)
– This is valid only on combined total purchases upto ₹20,000, since the maximum cashback is capped at ₹1000 per monthly card statement cycle. If your spends are more than ₹20000 in a month , your effective cashback will drop below 5%.

1.25% cashback on all other card spends :
– You earn ₹1.25, on every ₹100 you spend on all other card purchases.
– Exceptions : You get no cashback on fuel spends, rent payments, wallet recharges, EMI transactions and cash advances.

Additional benefits (quarterly milestone benefits), upto 1%
– You get 2 complimentary PVR tickets valued at ₹250 each, on quarterly card spend of over ₹50,000
– Card spends on rent, wallet, and fuel are not considered valid spends for the above calculation

Complimentary airport lounge access in India – 1 per quarter

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

Benefits
– 7.50% discount on Myntra.
– 5% cashback on 5 select partners, covering a wide range of services.
– Complimentary domestic airport lounge access

Drawbacks to consider
– Cardholders are restricted to specific partners to avail discounts and cashback

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

5% benefit at Aditya Birla Fashion (online and retail stores) - Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry. And also Vodafone Idea (Vi)
– 20 reward points worth ₹5, on every 100 you spend at these stores
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform. Redemption options can be restrictive. On many redemption options, you would get a value lower than 25 paise for each reward point.

2.50% benefit on dining & entertainment spends || hotel spends
– 10 reward point worth ₹2.50, on every 100 you spend on these categories
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform

0.25% benefit on all other card spends
– 1 reward point worth ₹0.25, on every 100 you spend on all other card transaction
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform
– Exceptions : No reward points are given on fuel spends, utilities, and mobile wallet upload

Additional reward, upto 0.50% (milestone benefit)
– 3000 reward points worth ₹750, at ₹1.50 lakh annual card spend (0.50% benefit)
– Additional 3000 reward points worth ₹750, at ₹3 lakh annual card spend. Hence you could earn 6000 reward points worth ₹1500, at ₹3 lakh annual card spend (0.50% benefit)

Complimentary airport lounge access in India – 4 per year (maximum 1 per quarter)

Fuel surcharge waiver upto ₹100 per month
– 1% fuel surcharge waiver, on fuel transactions upto ₹3000 only, and
– Only on fuel spends upto ₹10000 per month, since the maximum waiver is capped at ₹100 per month.

Benefits
– Good card for frequent shoppers at Aditya Birla Stores

Drawbacks to consider
– Redemption options can be restrictive. On many redemption options, you would get a value lower than 25 paise for each reward point.

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

₹120 discount (upto 24% per order) on Swiggy - twice a month
– You can avail this discount 2 times a month
– You get ₹120 discount, on orders of ₹500 and above, twice a month
– You need to use coupon code AXIS120 , to claim the offer

BOGO (Buy One Get One) offer on Paytm Movies - upto ₹200 per month

Upto ₹1000 discount at Ajio
– You get upto ₹1000 discount at Ajio, on a minimum order amount of ₹2999
– Discount is only applicable on a selected list of products.

Complimentary domestic airport lounge access – once a quarter

Dining benefits (Dining Delights program) : 15% discount at restaurants, in partnership with EazyDiner
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500. Minimum order amount of ₹2,500.
– Hence you get a 15% discount on an order between ₹2,500 and ₹3,333. On orders above ₹3,333, your discount% will be below 15%, since maximum discount is fixed at ₹500.

0.40% benefit on all other card spends : You earn 2 EDGE reward points worth ₹0.40 (40 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s reward redemption platform.
– No rewards are given on movie transactions, fuel spends, insurance spends, EMI transactions, wallet-loading transactions, utility payments, payment to government institutions & educational institutions, rental payments, rental brokerage.

Fuel surcharge waiver, upto ₹400 per month : You get 1% fuel surcharge waiver –
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases of upto ₹40000 per month (since the maximum waiver amount is restricted to ₹400 per monthly card statement cycle)

Benefits
– Good discounts at select partners – Ajio, Swiggy, Paytm Movies, EazyDiner.
– Complimentary domestic airport lounge access (once per quarter) and complimentary SonyLiv subscription

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

10% discount on Myntra - on a select catalogue
– You get a flat 10% discount on all orders above ₹500 (minimum order amount needs to be ₹500)
– There is no restriction on the number of times you can avail this discount. There is also no restriction on the maximum discount amount per order..
– Discount is applicable on a selected Myntra collection for Axis Neo customers

5% discount (upto ₹150 per month), on utility bill paid through Amazon Pay - mobile recharge || broadband bill payment || DTH recharge
– You can avail this offer 1 time per month
– You get 5% discount on your utility bill (mobile recharge, broadband bills or DTH recharge) paid through Amazon Pay
– This is valid only on bill payment upto ₹3000 per month, since the maximum discount is capped at ₹150 per monthly card statement cycle.

10% discount (upto ₹250) on Blinkit (online groceries) - once per month
– You can avail this offer 1 time per month.
– You get a 10% discount (upto ₹250) on Blinkit orders, on minimum orders of ₹750, once a month.
– Hence you get a 10% discount on orders between ₹750 and ₹2500, once a month. On orders above ₹2500, discount percentage will fall below 10%.

40% discount on Zomato (upto ₹120 per order), on 2 orders every month
– You get a 40% discount (upto ₹120) on Zomato orders, on minimum orders of ₹200, twice every month.
– Hence you get a 40% discount on orders between ₹200 and ₹300, on 2 orders every month. On orders above ₹300, discount percentage will fall below 40%.

10% discount (upto ₹100 per month) on movie tickets - at BookMyShow
– You get 10% discount, on total movie ticket purchases of upto ₹1000 per month (since maximum discount is ₹100 per month).
– On purchases above ₹1000, discount percentage will fall below 10%
– The discount can be availed any number of times, but the maximum discount is capped at ₹100 per month.

Dining benefits through EazyDiner (Dining Delight program), upto ₹500 per month
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500, at over 4000 restaurants nationwide. Minimum order amount required is ₹2500.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333, on 2 orders each month. On orders above ₹3333, your discount percentage will fall below 15%.

0.10% benefit on all cards spends
– You earn 0.5 EDGE Reward point worth 10 paise, on every ₹100 you spend on all card purchases.

Benefits
– Attractive benefits at select partners – Myntra, Zomato, Blinkit, Amazon Pay (for bill payments), BookMyShow, EazyDiner.
– Low annual fee of ₹250. Lifetimefree card offers from time to time, and also on select channels.

Drawbacks
– You may need to look at other credit cards to get high rewards on other major spending needs like travel, fuel purchases etc.

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.

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.

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

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

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

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

5% cashback at a variety of partners – Amazon || Flipkart || Myntra || Tata CLiQ || Swiggy || Zomato || BookMyShow || Sony LIV || Cult.fit || Uber
– You earn ₹5 cashback, on every ₹100 you spend at these 10 partners – only on total purchases upto ₹20,000 per month.
– Exceptions : 1% cashback is given on – EMI transactions (at merchant location), wallet loads, gift card/ prepaid card loads & voucher purchases.

1% cashback on all other card spends
– You earn ₹1 cashback, on every ₹100 you spend on all other purchases – only on purchases upto ₹1 lakh per month
– Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI).
For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions

Upto 1% additional milestone benefits : You get gift vouchers worth ₹1000, at ₹1 lakh quarterly card spend

1% fuel surcharge waiver, upto ₹250 per month
– You get fuel surcharge waiver at all fuel stations
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month (since the waiver amount is limited to ₹250 per month)

Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
– Valid only for payments made through the Swiggy app, on dining transactions more than ₹2000.

Benefits
– 5% cashback at important and relevant partners including Amazon & Flipkart – catering diverse needs
– Attractive annual free related offers : While the first year annual fee is compensated by joining benefits, the credit card is virtually free if you spend ₹1 lakh or more in a year.

Drawbacks
– Not a suitable credit card for those who do not like to shop & spend online
– 5% cashback is restricted to certain partners

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

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.

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

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 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 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