Points & Rewards Credit Cards with Airport Lounge Access Offers in India 2026

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

2% Reward (in terms of Emirates Miles) on all card spends
– Get get 2 Emirates Miles, on every ₹100 you spend on your card

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

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

Complimentary Emirates Skywards Silver membership
– You get complimentary Emirates Skywards Silver membership, at the time of joining
– This membership is renewed in the 2nd year, only if you have spent a minimum of ₹5 lakh on your card in the previous year (milestone benefit)

BOGO (Buy One Get One Free movie ticket upto ₹500) at BookMyShow movies - 2 times per month
– Buy one movie ticket and get upto ₹500 off on the second ticket, at BookMyShow.
– This offer can be availed maximum 2 times per month.

Fuel surcharge waiver upto ₹250 per month, only at HPCL pumps
– You get 1% fuel surcharge waiver, on HPCL fuel transactions between ₹400 and ₹4000 only, and
– Only on fuel spends upto ₹25000 per month, since the maximum waiver is capped at ₹250 per month.

Benefits
– Good card for frequent fliers of Emirates Airlines
– Travel benefits like complimentary lounge access
- Movie benefits

Drawbacks to consider
– You are restricted to fly Emirates only, to earn rewards

Upto 4 Vistara premium economy tickets based on annual card spend (milestone program)
– 1 premium economy ticket, at yearly card spend of ₹1.50 lakh
– 1 additional premium economy ticket, at yearly card spend of ₹3 lakh
– 1 additional premium economy ticket, at yearly card spend of ₹4.50 lakh
– 1 additional premium economy ticket, at yearly card spend of ₹9 lakh
Note : Following spends are not counted towards achieving the yearly card spend targets : rent & wallet transactions, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

2% reward (in Club Vistara points), on all card spends
– You earn 2 Club Vistara Points, on every ₹100 you spend on your card.
– Club Vistara Points can be redeemed on Vistara flights and upgrades.
Exceptions : You do not earn Club Vistara Points on the following spends – fuel, rent, wallet loads, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

Complimentary ‘Club Vistara Silver Membership’
– gives you complimentary services like priority checkin, addition baggage allowance, upgrade vouchers

Complimentary visits to airport lounges in India – 2 per quarter

Complimentary golf – upto 3 rounds per year

Dining benefits (Dining Delights program)
– Offer valid once per month
– 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Minimum order amount of ₹2,500
– Hence you get a 25% discount on orders between ₹2,500 and ₹3200. On orders above ₹3200, your discount percentage will fall below 25%

Benefits
– Good card for Vistara premium economy travellers
– Travel benefits like complimentary lounge access, priority services through complimentary Club Vistara Silver Membership

Drawbacks to consider
– You are restricted to fly Vistara only, to earn rewards

4.50% benefit on Spicejet spends (Spicejet mobile app or website)
– You earn 9 SpiceClub Points worth ₹4.50, on every ₹100 you spend at Spicejet
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

1.50% benefit on online food orders || online bill payment || online entertainment
– You earn 3 SpiceClub Points worth ₹1.50, on every ₹100 you spend in these categories
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

0.75% benefit on all other card spends
– You earn 1.50 SpiceClub Points worth ₹0.75 (75 paise), on every ₹100 you spend on all other card purchases
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

Upto 1.25% additional milestone benefit
– 2000 SpiceClub Points worth ₹1000, at annual card spend of ₹1 lakhs
– Additional 3000 SpiceClub Points worth ₹1500, at annual card spend of ₹2 lakhs
Hence you can get a total of 5000 SpiceClub Points worth ₹2500, at annual card spend of ₹2 lakhs – 1.25% benefit.

Complimentary domestic airport lounge access – 4 per year

Complimentary SpiceClub Silver membership

Dining benefits via EazyDiner (Dining Delights program) - upto ₹500 per month
– This offer can be redeemed once every month.
– 15% discount at restaurants, upto ₹500 per month
– Minimum order amount of ₹2,500
Hence you get a 15% discount on an order between ₹2500 and ₹3333, once per month. On orders above ₹3333, your discount percentage will fall below 15%

Fuel surcharge waiver at all fuel stations, upto ₹400 per month
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹40000 per month, since the maximum waiver is limited to ₹400 per month

Benefits
– High reward rate on Spicejet spends, suitable for frequent fliers of Spicejet
– Complimentary airport lounge access, and dining benefits

Drawbacks to consider
– You would need to consider other cards, to earn rewards on non-travel spends like shopping, fuel, and more.

7% benefit on Spicejet spends (Spicejet mobile app or website)
– You earn 14 SpiceClub Points worth ₹7, on every ₹100 you spend at Spicejet
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

3% benefit on online food orders || online bill payment || online entertainment
– You earn 6 SpiceClub Points worth ₹3, on every ₹100 you spend in these categories
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

1.50% benefit on all other card spends
– You earn 3 SpiceClub Points worth ₹1.50, on every ₹100 you spend on all other card purchases
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights
- Exceptions : No SpiceClub Points are given on fuel spends, EMI transactions, purchases converted to EMI post facto, wallet loading transactions, cash advances, government services, insurance services, education services, rental payments, payment of outstanding balances, payment of card fees and other card charges.

Upto 1.25% additional milestone benefit
– You get 4000 SpiceClub Points worth ₹2000, at annual card spend of ₹2 lakhs
– You get an additional 6000 SpiceClub Points worth ₹3000, at annual card spend of ₹4 lakhs
Hence you can get a total of 10,000 SpiceClub Points worth ₹5000, at annual card spend of ₹4 lakhs – 1.25% benefit.

Complimentary domestic airport lounge access – 8 per year

Complimentary SpiceClub Gold membership, benefits include –
– Welcome vouchers worth ₹7500
– Priority checkin
– 2 free upgrades & meals
– 1 free change/ cancellation

Dining benefits (Dining Delights program)
– Offer valid once per month
– 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Minimum order amount of ₹2,500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount percentage will be below 25%.

Fuel surcharge waiver at all fuel stations, upto ₹400 per month
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹40000 per month, since the maximum waiver is limited to ₹400 per month

Benefits
– High reward rate on Spicejet spends
– Good welcome offers

Drawbacks to consider
– You would need to consider other cards, to earn rewards on non-travel spends like shopping, fuel, and more.

Upto 4 Vistara business class tickets based on annual card spend (milestone program)
– 1 business class ticket, at ₹2.50 lakhs yearly card spend
– 1 additional business class ticket, at ₹5 lakhs yearly card spend
– 1 additional business class ticket, at ₹7.50 lakhs yearly card spend
– 1 additional business class ticket, at ₹12 lakhs yearly card spend
Note : Following spends are not counted towards achieving yearly card spend targets : rent & wallet transactions, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

3% benefit (in Club Vistara points), on all card spends
– Get 3 Club Vistara Points, on every ₹100 you spend on your card.
– Club Vistara Points can be redeemed on Vistara flights and upgrades.
Exceptions : You do not earn Club Vistara Points on the following spends – fuel, rent, wallet loads, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

Complimentary ‘Club Vistara Gold Membership’
– Get complimentary services like priority checkin and boarding (business class counters even if you’re flying economy class), additional baggage allowance and priority baggage handling
– Complementary access to Vistara lounges in India (even if you’re flying economy class)

Complimentary visits to airport lounges in India
– As a Club Vistara Gold Member, you get complementary access to Vistara lounges in India (even if you’re flying economy class)
– As a Visa Infinite member, you get complimentary airport lounge access in India, upto 2 per quarter.

Complimentary golf – upto 6 rounds per year

Dining benefits (Dining Delights program) in partnership with EazyDiner, upto ₹1000 per month
– This offer can be redeemed once every month.
– Get 40% discount (up to ₹1000), at over 4,000 restaurants nationwide.
– Minimum order amount to avail discount is ₹2500.
– Hence you get a 40% discount on orders of ₹2500. On orders above ₹2500, your discount percentage will fall below 40%.

15% discount at Trident Hotels

Dedicated 24 X 7 concierge desk 
– Complimentary assistance with various services such as flight bookings, table reservations, exclusive events/shows, and gift deliveries.

Benefits
– Good card for Vistara business class travellers
– Depending on business class ticket prices, it maybe possible to get approximately 10% benefits on your card spends – 7% through the milestone program and 3% on card spends
– Travel benefits like complimentary lounge access, priority services through complimentary Club Vistara Gold Membership
– Attractive golf and dining benefits

Drawbacks to consider
– Not suited for entry level travellers, since benefits are more suitable for frequent business class travellers
– You are restricted to fly Vistara only, to earn rewards
– You need to consider other credit cards, to earn rewards on non-travel spends

Benefits
– Good card for Vistara business class travellers
– Depending on business class ticket prices, it maybe possible to get approximately 10% benefits on your card spends – 7% through the milestone program and 3% on card spends
– Travel benefits like complimentary lounge access, priority services through complimentary Club Vistara Gold Membership
– Attractive golf and dining benefits

Drawbacks to consider
– Not suited for entry level travellers, since benefits are more suitable for frequent business class travellers
– You are restricted to fly Vistara only, to earn rewards
– You need to consider other credit cards, to earn rewards on non-travel spends

2% benefit on travel spends, dining spends, and international spends || 1% benefit on all other card spends
– You earn 2 reward points worth ₹2, on every ₹100 spent on travel, dining, and abroad
– You earn 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹1
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Upto 1.3% additional benefit, through monthly milestone program
– You get 1000 reward points worth ₹1000, on monthly card spend of ₹75,000
– Fuel transactions, cash withdrawals and EMI transactions are not eligible for monthly milestone card spend calculation

Complimentary Taj Epicure membership – at ₹12 lakhs annual card spend

Complimentary access to airport lounges in India – 16 per year

Complimentary access to airport lounges outside India – 16 times per year (maximum 4 times per quarter)

Airport meet & assist services, 4 times per year (maximum 1 time per quarter)
– You get end-to-end VIP check-in at select airports in India

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹8000 per year
– Buy one ticket and get up to ₹500 off on the second ticket, through BookMyShow.
– This offer can be availed 16 times per year, maximum 4 times per quarter.

Complimentary golf – 8 free golf rounds/lessons per year (maximum 2 per quarter)

Low fee (forex markup fee) of 0.99% on international card transactions

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto ₹15 lakhs
– 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.
– Device protection plan on mobile phones, and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.

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, airport meet & assist, golf, movie tickets, insurance benefits and more
– Good annual fee related offers

Drawbacks
– Reward rate on card spending is comparatively low, especially on shopping spen

5% benefit on international spends & weekend dining spends || 0.50% benefit on all other card spends
– You get 20 reward points (worth ₹5), on every ₹100 you spend abroad and on weekend dining spends. This benefit is given on total purchases upto ₹10,000 per month, in these categories.
– You get 2 reward points (worth ₹0.50), on every ₹100 you spend on all other card 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.
– Exceptions : You will not earn reward points on the following card spends – fuel, railways, utility bills, rental, wallet loads & insurance.

Milestone benefit, of upto 1.4%
– You get 10,000 reward points (worth ≈ ₹2500), at yearly card spend of ₹3 lakhs
– You get additional 15,000 reward points (worth ≈ ₹3750), at yearly card spend of ₹5 lakhs
– You get additional 20,000 reward points (worth ≈ ₹5000), at yearly card spend of ₹8 lakhs
Hence you get a total of 45000 reward points worth ₹11250, at yearly card spend of ₹8 lakhs – 1.4% benefit

Complimentary access to airport lounges in India – 2 per quarter

Complimentary access to airport lounges outside India
– You get a complimentary Priority Pass membership worth USD 99, which enables access to airport lounges abroad.
– However each lounge visit is chargeable – USD 32 per visit.

Complimentary golf benefits – 4 free golf rounds per year || 1 free golf lesson per month (through Mastercard)

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹400 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 2 times per month.

24/7 Concierge Desk
– Golf course referral and reservation assistance
– Car rental and limousine referral and reservation assistance
– Hotel referral and reservation assistance
– Dining referral and reservation assistance
– Spa, fitness centre, and sports centre Information and referral assistance
– Flower and gift delivery assistance
– Business services
– Special events and performance assistance

Fuel surcharge waiver, upto ₹200 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4000 only, and
– On fuel purchases upto ₹20,000 per month, since the waiver amount is restricted to ₹200 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹200 in all cases

Benefits
– 5% on international spends
– Range of lifestyle benefits such as airport lounge access, movie tickets, golf rounds, concierge services

Drawbacks
– Reward rate on card spending is comparatively low

30% reward (in terms of Air India Miles) on Air India website/app – only on ticket booking for yourself
– 30 reward points worth 30 Air India Miles, on every 100 you spend in this category
– 1 reward point = 1 Air India Mile. Air India Miles can be used for Air India flight bookings and upgrades.

10% reward (in terms of Air India Miles) on all other Air India spends
– 10 reward points worth 10 Air India Miles, on every 100 you spend in this category. This category includes all ticket bookings at airline counters/ call centre, and also ticket bookings for others on the Air India website/ app.
– 1 reward point = 1 Air India Mile. Air India Miles can be used for Air India flight bookings and upgrades.

4% reward (in terms of Air India Miles) on all other card spends
– 4 reward points worth 4 Air India Miles, on every 100 you spend in this category.
– 1 reward point = 1 Air India Mile. Air India Miles can be used for Air India flight bookings and upgrades.

Upto 5% additional benefit (in terms of Air India Miles), at annual card spends of ₹5 lakhs, ₹10 lakhs and ₹20 lakhs
– 20000 reward points worth 20000 Air India Miles, at ₹5 lakhs annual card spend
– 30000 reward points worth 30000 Air India Miles, at ₹10 lakhs annual card spend
– 50000 reward points worth 50000 Air India Miles, at ₹20 lakhs annual card spend
Hence you can get 1 lakh Air India Miles, at ₹20 lakhs annual card spend – 5% reward.

Free visits to airport lounges in India – 2 per quarter

Free Priority Pass membership worth USD 99, to access airport lounges abroad
– Usage of lounges is chargeable, on a per visit basis

1% fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle

Benefits
– Good card for frequent fliers of Air India
– Travel benefits like complimentary lounge access

Drawbacks to consider
– You are restricted to fly Air India only, to earn rewards
– You need to consider other cards, to earn rewards on other spends like shopping, fuel, bill payments etc.

One Etihad companion voucher, at ₹10 lakh annual card spend
– At ₹10 lakhs yearly card spend, get one free ticket (for your companion), when you buy one award ticket with your Etihad Miles
– At ₹5 lakh annual card spend, get 5000 Etihad Miles
– You can redeem Etihad Miles to book flights, hotels, car rentals or for purchasing products at etihadguest.com

3% reward (in terms of Etihad Miles) on Etihad spends
– Get 3 Etihad Miles, on every ₹100 you spend at Etihad

2% reward (in terms of Etihad Miles) on international spends
– Get 2 Etihad Miles, on every ₹100 you spend abroad

1% reward (in terms of Etihad Miles) on all other card spends (except fuel)
– You get get 1 Etihad Miles, on every ₹100 you spend on all other card transactions

Complimentary airport lounge access in India – 2 per quarter

Complimentary insurance benefits
– Complimentary overseas air accident coverage of ₹25 lakh
– Complimentary fraud liability cover of ₹50,000
– Complimentary lost baggage allowance of upto USD 1000

1% fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle

Benefits
– Good card for frequent fliers of Etihad Airlines
– Travel benefits like complimentary lounge access

Drawbacks to consider
– You are restricted to fly Etihad only, to earn rewards
– You need to consider other cards, to earn rewards on non-travel spends

0% fee on foreign transactions (forex markup charges)
– This is one of the very few cards offering this service

1.25% benefit on travel spends || 0.50% benefit on all other card spends
– You get 5 travel points (worth ₹1.25), on every ₹100 you spend on travel
– You get 2 travel points (worth ₹0.50), on every ₹100 you spend on all other card purchases
– 1 travel 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.
– Note : no travel points are given on international card spends.

Additional milestone benefit, of upto 2.1%
– You get 10,000 travel points (worth ≈ ₹2500), at yearly card spend of ₹2.50 lakhs
– You get additional 15,000 travel points (worth ≈ ₹3750), at yearly card spend of ₹5 lakhs
– You get vouchers worth ₹10,000, at yearly card spend of ₹7.50 lakhs (vouchers are from a variety of premium brands, including Taj Experiences, Amazon, Croma, Myntra, and Makemytrip)
Hence at ₹7.5 lakhs annual card spend, you get 25000 travel points worth ₹6250, and vouchers worth ₹10,000 – meaning a total value of ₹16250 at ₹7.50 lakh annual card spend (2.1% benefit).

Complimentary access to airport lounges in India – 2 per quarter

Complimentary access to airport lounges abroad – 2 per year (through Priority Pass program)
– You can get 1 more free airport lounge visit, if minimum quarterly card spend is ₹50000

Complimentary golf benefits – 4 free golf rounds per year, 1 free golf lesson per month (through Mastercard)

Complimentary USD 50000 worldwide travel insurance, including medical/health insurance during foreign travel
– Medical insurance, including dental treatment
– Trip delay
– Baggage loss
– Loss of passport

24/7 Concierge Desk
– Golf course Referral and reservation assistance
– Hotel referral and reservation assistance
– Dining referral and reservation assistance
– Spa, fitness centre, and sports centre Information and referral assistance

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4000 only, and
– On fuel purchases upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹250 in all cases

Benefits
– 0% fee on foreign card spends, one of the very few cards offering this
– Range of lifestyle benefits like complimentary access to airport lounges, free golf, overseas travel insurance, concierge service
– Decent reward rate on card spends, if you use the milestone benefits well

Drawbacks
– You need to track & meet annual card spend requirements as per the milestone program, to unlock decent reward rates on card spends

2.50% benefit on the following spends – grocery purchases || international purchases || dining || entertainment (5X)
– You get 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
– 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.

0.50% benefit on all other card spends (X)
– You get 2 reward points worth ₹0.50, on every ₹100 you spend on all other card purchases
– 1 reward point ≈ ₹0.25, on travel and shopping redemptions usually.
– No reward points are given on fuel transactions, utility bill payments, wallet loads and insurance spends.

Milestone benefit, upto 1.50%
– You get 10,000 reward points worth ₹2500, at yearly card spend of ₹2 lakhs
– You get additional 10,000 reward points worth ₹2500, at yearly card spend of ₹3.50 lakhs
– You get additional 10,000 reward points worth ₹2500, at yearly card spend of ₹5 lakhs
– 1 reward point ≈ ₹0.25, on travel and shopping redemptions usually.
– Hence you can get 30000 reward points worth ₹7500, at yearly card spend of ₹5 lakhs – 1.50% benefit.

Complimentary access to airport lounges in India – 2 per quarter

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹200 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 1 time per month.

Benefits
– Complimentary domestic airport lounge access, and movie benefits

Drawbacks
– Reward rate on card spending is comparatively low, given the annual fee charged
– No renewal fee offer

One Etihad companion voucher at ₹8 lakhs annual card spend
– At ₹8 lakhs yearly card spend, get one free ticket (for your companion), when you buy one award ticket with your Etihad Miles
– At ₹1.50 lakh annual card spend, get 1500 Etihad Miles
– You can redeem Etihad Miles to book flights, hotels, car rentals or for purchasing products at etihadguest.com

6% reward (in terms of Etihad Miles) on Etihad spends
– Get get 6 Etihad Miles, on every ₹100 you spend at Etihad

4% reward (in terms of Etihad Miles) on international spends
– Get get 4 Etihad Miles, on every ₹100 you spend abroad

2% reward (in terms of Etihad Miles) on all other card spends
– Get 2 Etihad Miles, on every ₹100 you spend on all other card transactions

Complimentary airport lounge access outside India – 4 per year

Complimentary airport lounge access in India – 2 per quarter

Complimentary insurance benefits
– Complimentary overseas air accident coverage of ₹50 lakh
– Complimentary fraud liability cover of ₹1 lakh
– Complimentary lost baggage allowance of upto USD 1000

1% fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Applicable only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle

Benefits
– Good card for frequent fliers of Etihad Airlines
– Travel benefits like complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Etihad only, to earn rewards
– You need to consider other cards, to earn rewards on non-travel spends

10% discount (upto ₹1000) on flight bookings on ixigo – once per month
– You get a 10% discount on ixigo flight bookings, on flight bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000), once per month.
– On bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹1000) on hotel bookings on ixigo – once per month
– You get a 10% discount on ixigo hotel bookings, on hotel bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000), once per month.
– On bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹300) on bus bookings on ixigo – once per month
– You get a 10% discount on ixigo bus bookings, on bus bookings upto ₹3000 (since the maximum discount is restricted to ₹300), once per month.
– On bookings above ₹3000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

2.50% benefit on train bookings on ixigo
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on train bookings on ixigo.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.

Waiver of Payment Gateway (PG) charges on train bookings – 2 times per month

1.25% benefit on all online card spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all online purchases.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.
– Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

0.62% benefit on all offline card spends
– You earn 2.50 reward points worth ₹0.62 (62 paise), on every ₹100 you spend on all offline purchases.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.
– Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

Complimentary access to international airport lounges – once per year

Complimentary access to domestic airport & railway lounges – 16 times per year

No fee (forex markup) on international transactions

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

Card liability cover upto ₹1.50 lakhs
– You carry zero liability for any credit card fraudulent transactions, after reporting its loss to the bank, with coverage extending up to ₹1.5 lakhs.
– You are also protected against card counterfeit/skimming and online frauds.

Benefits
– Attractive discounts on various kinds of travel bookings on ixigo
– Complimentary airport & railway lounge access

Drawbacks to consider
– You are restricted to ixigo platform, to earn these attractive travel rewards
– You may need to look at other cards to earn rewards on your other major spends like shopping etc.

1.50% Reward (in terms of Emirates miles) on all card spends
– You get 1.50 Emirates Miles, on every ₹100 you spend on your card

Free airport lounge access in India – 1 per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, 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%.

Fuel surcharge waiver upto ₹250 per month, only at HPCL pumps
– You get 1% fuel surcharge waiver, on HPCL fuel transactions between ₹400 and ₹4000 only, and
– Only on fuel spends upto ₹25000 per month, since the maximum waiver is capped at ₹250 per month.

Benefits
– Good card for frequent fliers of Emirates Airlines, you earn Emirates Miles on all card spends
– Travel benefits like complimentary lounge access

Drawbacks to consider
– You are restricted to fly Emirates only, to earn rewards

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.

Upto 3 Vistara economy class tickets based on annual card spend (milestone program)
– 1 premium economy ticket, at ₹1.25 lakh yearly card spend
– 1 additional premium economy ticket, at ₹2.50 lakh yearly card spend
– 1 additional premium economy ticket || ₹5,000 Yatra hotel e-voucher, at ₹5 lakh yearly card spend

1.50% benefit (in Club Vistara points), on all card spends
– 1.50 Club Vistara Points, on every ₹100 you spend on your card
– Club Vistara Points can be redeemed on flights & upgrades, on Vistara flights and partner airlines

Complimentary visits to airport lounges in India – 1 per quarter

Complimentary Priority Pass membership worth USD 99 – for 24 months
– Applicable usage fee of USD 32 will be charged for visiting Priority Pass airport lounges across the globe

Complimentary insurance benefits
✔︎ Up to 4 cancellations per year, each limited to ₹3500
✔︎ Lost card liability up to ₹1 lakh
✔︎ Travel related insurance covers
– Air accident cover upto ₹50 lakhs
– Loss of check in baggage upto ₹72,000
– Delay of check in baggage upto ₹7,500
– Loss of travel documents upto ₹12,500
– Baggage damage upto ₹2500

Benefits
– Good card for Vistara economy class travellers
– Depending on economy ticket prices, it maybe possible to get approximately upto 7.50% benefit on your card spends, 5-6% through the milestone program and 1.50% on card spends

Drawbacks to consider
– Not a suitable card for non-Vistara travellers
– You will also need to consider other cards to earn rewards on non-travel card spends like shopping etc.

3% benefit (in terms of miles), on all card spends
– You get 3 miles, on every ₹100 you spend on your card
– Exceptions : Miles are not given on the following spends – fuel, wallet load, EMI transactions, payment of fees & charges, cash withdrawals, fraud transactions, interest charges.
– You can redeem your miles on flights and upgrades (on Lufthansa and its partners – Star Alliance airline partners & Miles & More airline partners).
– You can also redeem your miles at other partners – hotels, shopping, car rentals.

Miles never expire – provided you do at least 1 card transaction on your credit card each month

Complimentary access to international airport lounges – 4 times per year

Complimentary access to domestic airport lounges – 8 times per quarter

Benefits
– Good card for frequent fliers of Lufthansa and its airline partners
– Travel benefits like complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Lufthansa & its partners only, to earn rewards

0.50% benefit on all card purchases
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.
Exceptions –
– No reward points are given on fuel purchases.
– 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend).

1% benefit on all international spends
– You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.

ICICI milestone program – upto 0.25% reward
– 2000 reward points worth ₹500, at ₹2 lakhs yearly card spend
– Additional 1000 reward points worth ₹250, on each additional ₹1 lakh you spend during the year
– You can earn a maximum of 10,000 reward points per year, under this program.

Complimentary lounge access at international airports – 2 times per year

Complimentary domestic airport lounge access – 4 per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary spa sessions at airports in India – 2 times per year

Complimentary golf rounds, upto 4 rounds per month
– 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
– Upto a maximum 4 rounds per month
(You can choose to take a free golf lesson, instead of a free golf round)

BOGO ('Buy One Get One Free') at BookMyShow movies, benefits upto ₹1000 per month
– Buy one movie ticket and get upto ₹500 off on the second ticket, at BookMyShow.
– This offer can be availed maximum 2 times per month.

1% fuel surcharge waiver
– You get a 1% waiver fuel surcharge, only on fuel transactions upto ₹4000.

24X7 concierge services : Services include restaurant referral and reservation, flower and gift assistance, hotel referral and reservation, flight referral and reservation, car rental and limousine service, booking and delivery of movie tickets, medical concierge privileges, emergency auto assistance across India

Benefits
– The card card provides some good lifestyle benefits like complimentary access to international & domestic airport lounges, complimentary golf, and BOGO (Buy One Get One Free) offer on movie tickets

Drawbacks to consider
– Reward rate on card spends is low

UPTO 10X REWARDS ON CARD SPENDS

(X)
1.73% reward on all card spends
- You get 2.6 reward points worth ₹1.7, on every ₹100 spent on the card. 1 reward point = ₹0.65, and can be redeemed on ‘exclusive Gold Catalogue on select premium brands’ via HDFC Smartbuy platform
Note : You can also redeem your reward points for a lower value as given below-
- You get 2.6 reward points worth ₹1.3, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
- You get 2.6 reward points worth ₹0.9, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 2.6 reward points worth ₹0.5, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance 
Exceptions – no reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions.

(3X)
5.2% reward on Flipkart purchases || rail tickets bookings (done via HDFC Smartbuy platform)
- You get 8 reward points worth ₹5.2, on every ₹100 spent on the card in these categories.1 reward point = ₹0.65, and can be redeemed on ‘exclusive Gold Catalogue' on select premium brands’ via HDFC Smartbuy platform
Note : You can also redeem your reward points for a lower value as given below-
- You get 8 reward points worth ₹4, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
- You get 8 reward points worth ₹2.8, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 8 reward points worth ₹1.6, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

(5X)
✓ 8.6% reward on flights & bus booking || shopping purchases at Apple, Nyka, Zoom Car || gift voucher purchases (done via HDFC Smartbuy platform)
✓ 8.6% reward at select partners – Marks & Spencer, Myntra, Reliance Digital, Nykaa (both online and offline spends, not through HDFC Smartbuy) 
- You get 13.3 reward points worth ₹8.6, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.65, and can be redeemed on ‘exclusive Gold Catalogue' on select premium brands’ via HDFC Smartbuy platform
Note : You can also redeem your reward points for a lower value as given below-
- You get 13.3 reward points worth ₹6.6, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
- You get 13.3 reward points worth ₹4.6, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 13.3 reward points worth ₹2.6, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

(10X)
17.3% reward on hotels booking || purchases at IGP.com & Jockey (done via HDFC Smartbuy platform)
- You get 26.6 reward points worth ₹17.3, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.65, and can be redeemed on ‘exclusive Gold Catalogue' on select premium brands’ via HDFC Smartbuy platform
Note : You can also redeem your reward points for a lower value as given below-
- You get 26.6 reward points worth ₹13.3, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
- You get 26.6 reward points worth ₹9.3, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 26.6 reward points worth ₹5.3, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

Limits & restrictions on earning special reward points :
– On 3X-10X accelerated rewards, through HDFC Smartbuy: Maximum 4000 accelerated reward points per calendar month
– On 5X rewards on direct online & offline spends at select partners (Marks & Spencer, Myntra, Reliance Digital, Nykaa) : Maximum 5000 accelerated reward points per calendar month, i.e. you earn 5X rewards on total monthly purchases upto ₹37500 across these partners.

ADDITIONAL MILESTONE BENEFITS, UPTO 2.1%
– ₹1500 voucher, at quarterly card spend of ₹1.50 lakh (you can select voucher from Marriott, Myntra, Marks & Spencer or Reliance Digital)
– One ₹5000 flight ticket voucher, at annual card spend of ₹5 lakh
– One additional ₹5000 flight ticket voucher, at annual card spend of ₹7.50 lakhs
Hence you can potentially earn ₹16000 worth of vouchers, if you hit all the above card spend targets.

OTHER BENEFITS

Complimentary international airport lounge – upto 6 times per year

Complimentary airport lounge access in India – upto 12 times per year

Low fee of 2% on international transactions

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
– One of the most popular cards, the card offers accelerated benefits of upto 17.3% on various shopping and travel partners on HDFC Smartbuy platform.
– Milestone program offers an opportunity to earn 1%-2% rewards
– Good lifestyle perks like complimentary airport lounge access, and complimentary Club Vistara Silver Tier and MMT Black Elite membership.

Drawbacks to consider 
– Reward rates on the non-promoted categories is not high

UPTO 10X REWARDS ON CARD SPENDS

(X)
3.3% reward on all card spends
- You get 3.3 reward points worth ₹3.3, on every ₹100 spent on the card. 1 reward point = ₹1, and can be redeemed for flights & hotel bookings via HDFC Smartbuy.
Note : You can also redeem your reward points for a lower value as given below-
- You get 3.3 reward points worth ₹1.66, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 3.3 reward points worth ₹1, on every ₹100 spent on the card. 1 reward point = ₹0.30, if you redeem for cashback.

(3X)
10% reward on Flipkart & Apple purchases || gift vouchers || rail tickets bookings (done via HDFC Smartbuy platform)
- You get 10 reward points worth ₹10, on every ₹100 spent on the card in these categories. 1 reward point = ₹1, and can be redeemed for flights & hotel bookings via HDFC Smartbuy.
Note : You can also redeem your reward points for a lower value as given below-
- You get 10 reward points worth ₹5, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.50, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 10 reward points worth ₹3, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.30, if you redeem for cashback.

(5X)
16.6% reward on flights & bus booking || shopping purchases at Nyka, Zoom Car (done via HDFC Smartbuy platform)
- You get 16.6 reward points worth ₹16.6, on every ₹100 spent on the card in these categories. 1 reward point = ₹1, and can be redeemed for flights & hotel bookings via HDFC Smartbuy.
Note : You can also redeem your reward points for a lower value as given below-
- You get 16.6 reward points worth ₹8.3, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.50, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 16.6 reward points worth ₹5, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.30, if you redeem for cashback.

(10X)
33.3% reward on hotels booking || purchases at IGP.com & Jockey (done via HDFC Smartbuy platform)
- You get 33.3 reward points worth ₹33.3, on every ₹100 spent on the card in these categories. 1 reward point = ₹1, and can be redeemed for flights & hotel bookings via HDFC Smartbuy.
Note : You can also redeem your reward points for a lower value as given below-
- You get 33.3 reward points worth ₹16.6, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.50, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 33.3 reward points worth ₹10, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.30, if you redeem for cashback.

Limits & restrictions on 3X-10X accelerated rewards : You can earn a maximum of 10,000 special reward points per calendar month, in the 3X – 10X categories described above.

ADDITIONAL MILESTONE BENEFITS, UPTO 2.50%
– 10000 reward points worth ₹10000 (on travel redemptions), at ₹4 lakh quarterly card spend

OTHER BENEFITS 

✓ Unlimited complimentary airport lounge access – both in India and abroad (including for add-on cardholders)

✓ Complimentary golf rounds worldwide – 6 per quarter

✓ Upto 6.6% reward on weekend dining (2X)
– 6.6 reward points worth ₹6.6 (on travel redemptions), on every ₹100 you spend on weekend dining (Saturday & Sunday) at standalone restaurants.
– You can earn a maximum of 1000 reward points per month, at this accelerated rate

✓ 2% fee (forex markup) on international card transactions

✓ 24/7 personal global concierge services

✓ Complimentary Club Marriott Membership for 1 year
– 15-20% discount on food and beverage bills at restaurants, for a maximum of 10 guests
– Upto 20% discount on best available room rates at participating Marriott hotels in India, and on weekend rates in Asia Pacific.
– 20% discount on spa services at participating Marriott hotels in India, from Monday to Friday.

✓ Complimentary insurance benefits
– Accidental air death cover worth ₹2 crore
– Emergency overseas hospitalisation coverage of upto ₹50 lakhs
– Lost card liability cover of up to ₹9 lakhs.

✓ Exclusive offers from Diners

Benefits
– Unlimited basic benefit rate of 3.3%, and attractive 3X-10X rewards program (upto 33.3% benefit rate) with various shopping and travel partners
– Good lifestyle perks like free unlimited lounge access, complimentary golf, and complimentary memberships like Club Marriott

Drawbacks to consider
– Reward rates are most attractive, if you redeem your reward points for flight & hotel bookings. So you will benefit most only if you are a frequent traveller

Metal credit card

3% reward (in terms of airmiles) on all card spends
- You earn 3 reward points, on every ₹100 you spend on your credit card. Reward points never expire.
- Reward points can be converted to airmiles. 1 reward point = 1 Club Vistara Point || 1 Air India Flying Return Point || 1 British Airways Avios Mile || 1 Etihad Airways Airmile

Unlimited complimentary access to airport lounges both in India and abroad

Free golf rounds - 24 rounds per year (maximum 2 rounds per month) || Free golf lessons - 12 lessons per year (maximum 2 lessons per month)
- This is a benefit as part of HSBC Premier banking relationship

Low fee of 0.99% on foreign transactions
-This fee is charged is charged on value of foreign transactions

30% off your bill with EazyDiner, upto ₹1,250

Benefits
- Good lifestyle benefits

Drawbacks to consider
- You can get higher rewards on card spends, on other premium travel cards

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

4% benefit on hotel bookings & holiday bookings || 2% benefit on flight bookings – only on MakeMyTrip
– On MakeMyTrip : 4 MyCash Points worth ₹4, on every ₹100 you spend on hotel & holiday bookings || 2 MyCash Points worth ₹2, on every ₹100 you spend on flight bookings
– 1 MyCash Point = ₹1. MyCash Points are available in your MakeMyTrip wallet (MyWallet), and can be used to make travel bookings on MakeMyTrip, or to purchase partner vouchers through MakeMyTrip. MyCash cannot be used for rail bookings, offline holiday bookings and ‘Pay at Hotel’ bookings
– MyCash Points are valid for 1 year

1.50% benefit on international card spends
– You earn 1.50 MyCash Points worth ₹1.50, on every ₹100 you spend on your card outside India. 1 MyCash Point = ₹1.

1.25% benefit on all other card spends
– You earn 1.25 MyCash Points worth ₹1.25, on every ₹100 you spend on all other card purchases. 1 MyCash Point = ₹1.
– Exceptions : No rewards are given on fuel spends, cash advances, card fees & charges, EMI transactions, balance transfer (BT), personal loan on cards.

Milestone program – upto 1% additional benefit on MakeMyTrip spends
– 1100 My Cash worth ₹1100, at yearly card spend of ₹2.50 lakh on MakeMyTrip (on flights, hotels, or holiday bookings) ~ 0.4% benefit.
– Additional 4000 My Cash worth ₹4000, at yearly card spend of ₹5 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings). Hence you could earn a total of 5100 My Cash worth ₹5100, at yearly card spend of₹5 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings) ~ 1% benefit.

Complimentary domestic airport lounge access – 2 times per quarter

Complimentary domestic railway lounge access – 1 time per quarter

25% discount (upto ₹150) 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 ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

25% discount (upto ₹150) 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 ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver, only on HPCL fuel transactions below ₹4000.

Benefits
– On MakeMyTrip, can earn upto 3% on hotel & holiday bookings, and upto 2% on flight booking (including milestone benefits).
– Complimentary domestic airport lounge (2 times per quarter), and rail lounge access (once per quarter)
– Movie benefits at Inox and Bookmyshow – upto ₹600 per month
– Good card for frequent users of MakeMyTrip

Drawbacks to consider
– Reward earning is restricted to MakeMyTrip platform
– You would need to consider other credit cards to earn rewards on non-travel card spends

3% benefit on hotel bookings & holiday bookings || 2% benefit on flight bookings – on MakeMyTrip only
– On MakeMyTrip : 3 MyCash Points worth ₹3, on every ₹100 you spend on hotel bookings & holiday bookings || 2 MyCash Points worth ₹2, on every ₹100 you spend on flight bookings
– 1 MyCash Point = ₹1. MyCash Points are available in your MakeMyTrip wallet (MyWallet), and can be used to make travel bookings on MakeMyTrip, or to purchase partner vouchers through MakeMyTrip. MyCash cannot be used for rail bookings, offline holiday bookings and ‘Pay at Hotel’ bookings
– My Cash is valid for 1 year

1.25% benefit on international spends
– You earn 1.25 MyCash Points worth ₹1.25, on every ₹100 you spend on your card outside India. 1 MyCash Point = ₹1.

1% benefit on all other card spends
– You earn 1 MyCash Points worth ₹1, on every 100 you spend on all other card purchases. 1 MyCash Point = ₹1.
– Exception : No rewards are given on fuel spends, cash advances, card fees & charges, EMI transactions, balance transfer (BT), personal loan on cards.

Milestone program – upto 2% additional benefit on MakeMyTrip spends
– 1000 MyCash Points worth ₹1000, at yearly card spend of ₹50,000 on MakeMyTrip (on flights, hotels, or holiday bookings) - 2% benefit
– Additional 1000 MyCash Points worth ₹1000, at yearly card spend of ₹2.50 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings). Hence you could earn a total of 2000 MyCash Points worth ₹2000, at yearly card spend of₹2.50 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings) - 0.80% benefit

Complimentary domestic airport lounge access – 1 time per quarter

Complimentary domestic railway lounge access – 1 time per quarter

25% discount (upto ₹100) on movie tickets at BookMyShow and Inox - 2 times per month
– You can avail this offer 2 times a month at BookMyShow, and 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%.

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver, only on HPCL fuel transactions below ₹4000.

Benefits
– Good starter travel credit card, free from 2nd year onwards
– Complimentary domestic airport lounge access, and complimentary railway lounge access
– Movie benefits

Drawbacks to consider
– Reward earning is restricted to MakeMyTrip platform
– You need to consider other credit cards to earn rewards on non-travel card spends

3.50% cashback on fuel purchases 
✔︎ 2.50% special cashback on HPCL fuel purchases
- You earn ₹2.50 cashback, on every ₹100 you spend at HPCL pumps.
- This benefit is valid only on HPCL fuel expenses upto ₹8000 per month, since maximum cashback is capped at ₹200 per month.
- This benefit is applicable only on a minimum fuel transaction amount of ₹500.
✔︎ 1% fuel surcharge waiver at all fuel stations, only on fuel transactions upto ₹4000 per month

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 card purchases.
– 1 reward point = 0.25 (25 paise), and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.
– Exceptions : No rewards are given on non-HPCL fuel spends, EMI transactions, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, payments of fees, interest and other charges.

Complimentary domestic airport lounge access – 1 time per quarter
– This benefit is applicable only if you spend a minimum of ₹5000 on your credit card, 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%.

Complimentary road side assistance with add-on benefits : On-site roadside repair, vehicle towing to the nearest authorized workshop, taxi services, fuel delivery, locked/lost key benefit, accommodation / emergency assistance, vehicle repatriation, replacement / courtesy car, replacement of battery, car wash and general checkup, car concierge and more.

Domestic adventure road trip
– Exclusive week-long adventure roadtrip, partially sponsored, especially curated for you with self- drive in personal vehicles.
– Accompanied by expert adventure guides
– This trip is organised every year for top spenders of Accelero ICICI Bank Credit Cards.

Benefits
– Automobile card, which gives higher benefit on fuel purchases, complimentary roadside assistance with add on benefits like complimentary car wash, and chance to participate in an adventure road trip.
– Complimentary domestic airport lounge access – 1 time per quarter.
– Discount on movie tickets

Drawbacks to consider
– Will need to consider other credit cards, to get benefits on other important spends like shopping, travel.

Upto 5 Vistara premium economy class tickets based on annual card spend (milestone program)
– 1 premium economy ticket, at ₹1.50 lakh yearly card spend
– 1 additional premium economy ticket, at ₹3 lakh yearly card spend
– 1 additional premium economy ticket, at ₹4.50 lakh yearly card spend
– 1 additional premium economy ticket || ₹10,000 Yatra hotel e-voucher, at ₹8 lakh yearly card spend

2% benefit (in Club Vistara points), on all card spends
– 2 Club Vistara Points, on every ₹100 you spend on your card
– Club Vistara Points can be redeemed for flights & upgrades, on Vistara flights and partner airlines

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

Complimentary visits to airport lounges in India – 2 per quarter

Complimentary insurance benefits
✔︎ Up to 6 cancellations per year, each limited to ₹3500
✔︎ Lost card liability up to ₹1 lakh
✔︎ Travel related insurance covers
– Air accident cover upto ₹1 crore
– Loss of check in baggage upto ₹72,000
– Delay of check in baggage upto ₹7,500
– Loss of travel documents upto ₹12,500
– Baggage damage upto ₹5000

Benefits
– Good card for Vistara premium economy travellers
– Depending on premium economy ticket prices, it maybe possible to get approximately upto 10% benefits on your card spends, 7-8% through the milestone program and 2% on card spends

Drawbacks to consider
– Not a suitable card for non-Vistara travellers.
– You will also need to consider other cards to earn rewards on non-travel spends like shopping etc

Top most card spender gets a signed Manchester United jersey
- The top most card spender every month, across both variants of the ICICI Bank Manchester United Card, gets a signed Manchester United jersey.
- ICICI has 2 variants of the Manchester United credit card – ICICI Bank Manchester United Platinum Credit Card, and ICICI Bank Manchester United Signature Credit Card (which we are reviewing here).

Top 18 card spenders get a fully paid “Manchester United Experience”
– Private tour of the stadium and museum in Manchester, England
– Opportunity to watch a part of a training session, of the First Team Squad
– A visit to the Manchester United megastore at the stadium

Top 100 card spenders get a ‘Manchester United branded shirt’

Complimentary airport lounge access in India – 2 times per quarter

25% discount (upto ₹150) on movie tickets at BookMyShow and Inox - 2 times per month each
– You can avail this offer 2 times a month at BookMyShow, and 2 times per month at Inox.
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

Fuel surcharge waiver : on fuel transactions upto ₹4000, at all HPCL pumps

0.75% benefit on domestic card spends || 1.25% on Manchester United match days
– You get 3 reward points worth ₹0.75, on every ₹100 you spend on your card || 5 reward points worth ₹1.25, on every ₹100 card you spend on your card on Manchester United match days
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on ICICI rewards redemption platform for products, vouchers and more

1% benefit on international spends
– You get 4 reward points worth ₹1, on every ₹100 you spend on your card abroad
– 1 reward point = ₹0.25 (25 paise),and can be redeemed on ICICI rewards redemption platform for products, vouchers and more
– Exception : No reward points are given on fuel spends

Benefits
– Good card for Manchester United fans
– Complimentary airport lounge access

Drawbacks to consider
– Reward rate on card spends is low

Top most card spender gets a signed Manchester United jersey
- The top most card spender every month, across both variants of the ICICI Bank Manchester United Card, gets a signed Manchester United jersey.
- ICICI has 2 variants of the Manchester United credit card – ICICI Bank Manchester United Platinum Credit Card, and ICICI Bank Manchester United Signature Credit Card (which we are reviewing here).

Top 18 card spenders get a fully paid “Manchester United Experience”
– Private tour of the stadium and museum in Manchester, England
– Opportunity to watch a part of a training session, of the First Team Squad
– A visit to the Manchester United megastore at the stadium

Top 100 card spenders get a ‘Manchester United branded shirt’

Complimentary airport lounge access in India – 1 time per quarter

25% discount (upto ₹100) at BookMyShow and Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month at BookMyShow, and 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%.

Fuel surcharge waiver on fuel transactions upto ₹4000, at all HPCL pumps

0.50% benefit on domestic card spends || 0.75% benefit on Manchester United match days
– You get 2 reward points worth ₹0.50, on every ₹100 you spend on your card || 3 reward points worth ₹0.75, on every ₹100 you spend on your card on Manchester United match days
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on ICICI's rewards redemption platform for products, vouchers and more
– Exception : No reward points are given on fuel spends.

Benefits
– Good card for Manchester United fans
– Complimentary airport lounge access and movie benefits

Drawbacks to consider
– Reward rate on card spends is low

No annual fee from 2nd year onwards

1% cashback on all weekend card spends || 0.50% cashback on all weekday card spends OR 
2% reward (in terms of Club Vistara Points/InterMiles) on all weekend card spends || 1% reward (in terms of Club Vistara Points/InterMiles) on all weekday card spends
– You get 2 rewards points worth ₹1 (as cashback), on every ₹100 you spend on weekends with your card
– You get 1 rewards point worth ₹0.50 or 50 paise (as cashback), on every ₹100 you spend on weekdays with your card
– 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback. You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile.
– Exceptions : You get 0.70 reward points worth ₹0.52 (52 paise), on the following card spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.

Additional benefit, at ₹6 lakhs annual card spend (milestone benefit)
– You get 4000 rewards points worth ₹2000, at ₹6 lakhs yearly card spend
– 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback
(You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile).

Complimentary access to airport lounges in India – 1 per quarter

Free Priority Pass membership worth USD 100 (for international airport lounge access)
– Usage of international lounges is chargeable at USD 32 per visit (please visit the Priority Pass website to view latest lounge visit charges)
– If you are a regular user of international airport lounges, you could enrol for IndusInd Travel Plus program for ₹5000 per year. Under Travel Plus program you do not pay for usage of international airport lounges

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹200 per month
– Buy one ticket and get up to ₹200 off on the second ticket, at BookMyShow.
– This offer is valid 1 time per month.

24/7 emergency roadside assistance (Legend Auto Assist)
– Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services)
– This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Complimentary insurance benefits
✓ Air accident insurance of ₹25 lakhs
✓ Total Protect – this covers your card and add-on cards for unauthorised transactions and counterfeit fraud, till the credit limit of your credit card.
✓ Complimentary travel insurance covers-
- Lost baggage cover of ₹1 lakh
- Delayed baggage cover of ₹25000
- Loss of passport cover of ₹50000
- Lost ticket cover of ₹25000
- Missed connection cover of ₹25000

Low fee of 1.80% on international transactions

Fuel surcharge waiver, upto ₹2400 per year
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only, and
– On fuel purchases upto ₹2.40 lakhs per year, since the waiver amount is restricted to ₹2400 per year
– Some fuel pumps may charge more than 1% surcharge, the yearly waiver would still be capped at ₹2400 in all cases

Benefits
– No annual fee after the 1st year
– Lifestyle benefits including complimentary airport lounge access, emergency roadside assistance, 24X7 concierge services

Drawbacks to consider
– Comparatively low reward rate on card spends

Guaranteed 25%-50% discount at partner restaurants through EazyDiner Prime membership || Additional 25% discount through EazyDiner PayEazy (upto ₹1000 per bill)
– You get a minimum discount of 25% at over 2000 restaurants in India and Dubai, which are part of the EazyDiner Prime program.
– You get an additional 25% discount, if you pay restaurant bills through PayEazy (payment channel of EazyDiner app), upto ₹1000 per bill.

2% benefit on dining, shopping & entertainment spends || 0.80% benefit on all other card spends
– You get 10 rewards points worth ₹2, on every ₹100 you spend in these categories
– You get 4 rewards points worth ₹0.80 (80 paise), on every ₹100 you spend on all other purchases
– 1 rewards point = ₹0.20, and can be redeemed only on EazyDiner app (for paying restaurant bills OR other redemption options on EazyDiner app)

3X EazyDiner EazyPoints, on EazyDiner spends
– EazyPoints is the reward point currency of EazyDiner
– The value of EazyPoints is dynamic, usually between ₹0.20 to ₹1 per EazyPoint, depending on the redemption option you choose on the EazyDiner app

Complimentary access to airport lounges in India – 2 per quarter

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹400 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 2 times per month.

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.

Benefits
– Attractive discounts on dining spends, through EazyDiner Prime membership & paying through EazyDiner PayEazy
– Complimentary access to airport lounges in India (2 per quarter)
– 2 free movie tickets per month (upto ₹200 each), at BookMyShow movies

Drawbacks to consider
– You will need to consider other cards to earn higher rewards on non-dining expenses

Marquee player autographed memorabilia – for top 5 credit card spenders each month

Exclusive Chennai Super Kings Experience benefits – as per campaigns run from time to time
– Meet & Greet with select players
– Attend a practice session with the Chennai Super Kings Team
– Complimentary match tickets

Complimentary airport lounge access in India – 1 time per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

25% discount (upto ₹100) at BookMyShow and Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month at BookMyShow, and 2 times per 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%.

2.50% benefit on all card spends on CSK match days || 0.50% benefit on other days
– You get 10 reward points (worth ₹2.50) on every ₹100 spent on CSK match days || 2 reward points (worth ₹0.50) on every ₹100 spent on other days
– 1 reward point = ₹0.25 (25 paise)
– Exceptions : You get 1 reward point worth ₹0.25, on every ₹100 spent on insurance and utilities. No reward points are given on fuel spends.

Benefits
– Good card for CSK fans
– Complimentary lounge access

Drawbacks to consider
– Reward rate on card spends is low

2.50% Reward (in terms of Emirates miles) on all card spends
– You get 2.50 Emirates Miles, on every ₹100 you spend on your card

Unlimited free airport lounge access both in India and abroad, as well as domestic spa sessions in India

Complimentary Emirates Skywards Silver membership

Milestone benefit – complimentary Emirates Skywards Gold membership, at ₹15 lakhs annual card spend (out of which minimum ₹1.50 lakhs should be on Emirates)

BOGO (Buy One Get One Free movie ticket upto ₹750) at BookMyShow movies - 4 times per month
– Buy one movie ticket and get up to ₹750 off on the second ticket, at BookMyShow.
– This offer can be availed maximum 4 times per month.

Fuel surcharge waiver
– You get 1% fuel surcharge waiver, on all fuel transactions upto ₹4000, at any fuel outlet

Benefits
– Good card for frequent fliers of Emirates Airlines
– Travel benefits like unlimited complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Emirates only, to earn rewards

Upto 3 Vistara economy tickets based on annual card spend (milestone program)
– 1 economy ticket, at ₹1.25 lakh yearly card spend
– 1 additional economy ticket, at ₹2.50 lakh yearly card spend
– 1 additional economy ticket, at ₹6 lakh yearly card spend
Note : Following spends are not counted towards achieving yearly card spend targets – rent and wallet transactions, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

1% reward (in Club Vistara points), on all card spends
– Get 1 Club Vistara Point, on every ₹100 you spend on your card.
– Club Vistara Points can be redeemed on Vistara flights and upgrades.
Exceptions : You do not earn Club Vistara Points on the following spends – fuel, rent , wallet loads, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

Complimentary ‘Club Vistara Base Membership’

Complimentary visits to airport lounges in India – 2 per quarter

Dining benefits (Dining Delights program)
– Offer valid once per month
– Minimum order amount of ₹2500
– 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Hence you get a 25% discount on orders between ₹2,500 and ₹3200. On orders above ₹3200, your discount percentage will be below 25%

Benefits
– Good card for Vistara economy travellers
– Travel benefits like complimentary lounge access

Drawbacks to consider
– You are restricted to fly Vistara only, to earn rewards

2% benefit (in terms of miles), on all card spends
– You get 2 miles, on every ₹100 you spend on your card
– Exceptions : Miles are not given on the following spends – fuel, wallet load, EMI transactions, payment of fees & charges, cash withdrawals, fraud transactions, interest charges.
– You can redeem your miles on flights and upgrades (on Lufthansa and its partners – Star Alliance airline partners & Miles & More airline partners).
– You can also redeem your miles at other partners – hotels, shopping, car rentals.

Miles never expire – provided you do at least 1 card transaction on your credit card each month

Complimentary access to international airport lounges – 2 times per year

Complimentary access to domestic airport lounges – 4 times per quarter

Benefits
– Good card for frequent fliers of Lufthansa and its airline partners
– Travel benefits like complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Lufthansa & its partners only, to earn rewards

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

6% benefit on Indigo spends 
– You earn 6 reward points (called 6E reward points) worth ₹6, on every ₹100 you spend at Indigo.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Not valid on group, corporate, SME and agent bookings.
– Reward points are valid for 2 years from date of issuance.

3% benefit on entertainment, dining & grocery spends 
– You earn 3 reward points (6E reward points) worth ₹3, on every ₹100 spend you spend on entertainment, dining & grocery.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.

2% benefits on all other spends :
– You earn 2 reward point (6E reward point) worth ₹2, on every ₹100 spend you spend on all other spends.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Exception : No reward points are given on wallet transactions.

Complimentary domestic airport lounge access – 2 per quarter

Benefits
– Attractive benefit rate of 6% on Indigo spends
– Good benefit rate of 3% on grocery purchases, dining expenditure and entertainment spends
– Complimentary airport lounge access in India (2 per quarter)

Drawbacks to consider
– No renewal offer, so this card is beneficial only if you fly frequently on Indigo

2% benefit on international card spends
– You earn 2 reward point worth ₹2, on every ₹100 you spend on card purchases outside India.
– 1 reward point = ₹1. You can redeem your rewards points on Kotak Rewards (rewards redemption platform), for a variety of shopping e-vouchers, mobile recharges, travel, movies and more.

1% benefit on all other card spends
– You earn 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹1. You can redeem your rewards points on Kotak Rewards (rewards redemption platform), for a variety of shopping e-vouchers, mobile recharges, travel, movies and more.

Complimentary airport lounge access in India – 2 per quarter

Fuel surcharge waiver, upto ₹3500 per year 
– You get a 1% fuel surcharge waiver at all fuel pumps across India
– 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).

Railway surcharge waiver, upto ₹500 per year : You get surcharge waiver for railway ticket bookings–
– 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

Benefits
– Card for NRIs, especially useful when they visit India
– No income proof and credit history in India required since the card is issued against a personal fixed deposit

Drawbacks to consider
– Low rewards and benefits

▶︎ 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

1% benefit on all card spends 
- You earn 5 EDGE Reward points worth ₹1, on every ₹100 you spend on all purchases.
- 1 reward point = ₹0.20 (20 paise), when you redeem points on Axis Bank’s reward redemption platform.
- Exceptions : No reward points are given on the following types of card spends – fuel, rent, insurance, utilities, government and educational institutions.

2% benefit – at 2.50 lakhs annual spend target (milestone benefit) : You get double the benefit from your earned EDGE Reward points, when you reach annual spend of ₹2.5 lakhs on your card.
✓ At ₹2.50 lakh annual spend on your card, you would have earned 12,500 EDGE Reward Points
✓ You can redeem these EDGE Reward Points at a special double rate of 1 EDGE Reward Point = 40 paise (instead of 1EDGE Reward Point = 20 paise).
✓ You can buy multi brand vouchers worth ₹5000 from these 12,500 EDGE Reward Points (@ 1EDGE Reward Point = 40 paise).
✓ Rent and wallet transactions are not included towards reaching this annual spend target of ₹2.50 lakhs

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

Dining benefits (Dining Delights program) : 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Offer valid once per month
– You get a 25% discount up to ₹800 , at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2500.
– Hence you get a 25% discount on orders between ₹2,500 and ₹3200. On orders above ₹3200, your discount% will be below 25% since maximum discount is fixed at ₹800.

1% fuel surcharge waiver : 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
– Decent benefit rate on all your spends if you hit annual card spend target of ₹2.50 lakhs. Decent choice if you do not want to hold multiple specialist cards for each spend category.
– Complimentary airport lounge access in India – 2 times per quarter.

Drawbacks to consider
– You could higher reward rates on your card spends with specialist cards for online shopping, travel, fuel, bill payments etc.

0.50% benefit on all card purchases in India
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all purchases.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.
Exceptions :
– No reward points are given on fuel purchases.
– 0.25% benefit on utilities and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on utilities and insurance spends.

1% benefit on all international card spends 
– You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.
–1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

ICICI milestone program - upto 0.25% benefit
– You earn 2000 reward points worth ₹500, at ₹2 lakh yearly card spend
– You get additional 1000 reward points worth ₹250, on each additional ₹1 lakh you spend during the year
– You can earn a maximum of 10,000 reward points per year, under this program.

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 railway lounge access – 2 times per quarter 

Complimentary golf rounds - upto 2 rounds per month
– You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month. Maximum 2 rounds per month.
- You can choose to take a free golf lesson, instead of a free golf round.

25% discount (upto ₹150) 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 ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

25% discount (upto ₹150) 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 ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% waiver fuel surcharge, only on fuel transactions below ₹4000.

24×7 premium concierge services
You get unparalleled convenience with i-Assist, ICICI Bank’s 24×7 premium concierge service designed to cater to all your needs.
– Hotel referral and reservation
– Restaurant referral and reservation
– Flight referral and reservation
– Car rental and limousine service
– Flower and gift assistance
– Booking and delivery of movie tickets
– Medical concierge privileges
– Emergency auto assistance across India

Benefits
– Good lifestyle benefits like complimentary access to domestic airport and railway lounges (2 times per quarter), complimentary golf (upto 2 times a month), and 25% movie discounts

Drawbacks to consider
– The reward rate on card spends is low

Upto 2.25% benefit through spend based milestone program – White Pass
✔︎ You earn White Pass value at 5 levels of annual card spend-
1. At ₹2 lakh spend, you get 2000 White Pass value worth ₹2000
2. At ₹4 lakh spend, you get additional 4000 White Pass value worth ₹4000
3. At ₹6 lakh spend, you get additional 6000 White Pass value worth ₹6000
4. At ₹9 lakh spend, you get additional 7000 White Pass value worth ₹7000
5. At ₹12 lakh spend, you get additional 8000 White Pass value worth ₹8000
✔︎ Hence at ₹12 lakh spend, you would earn a total of 27000 White Pass Value worth ₹27000 – a 2.25% reward rate.
– 1 White Pass = ₹1, you can redeem White Pass value for an exclusive range of gift vouchers of premium brands, flights, hotels and more.
– You can also redeem White Pass for cashback, at a lower rate of 1 White Pass = ₹0.70 (70 paise)

Complimentary access to international airport lounges – 4 times per year

Complimentary access to domestic airport lounges – 2 times per quarter

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

Railway surcharge waiver, upto ₹500 per year
– You get 1.8% to 2.5% railway surcharge waiver , on ticket bookings made at www.irctc.co.in or at railway booking counters.
– Maximum waiver given is ₹500 per calendar year.

Benefits
– Upto 2.25% reward rate on all spends through the milestone based White Pass program
– Complimentary access to airport lounges both in India and abroad

Drawbacks to consider
– You can get better rewards with other premium cards available in the marketplace

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.

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.

₹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.

Exclusively for Indian Defence Personnel : Personalised card, with shades of the Indian Tricolour.

Card is virtually lifetime free at ₹40,000 annual card spend 
- Annual fee is not charged from the 2nd year onwards, if you spend ₹40,000 or more in the previous year.
- Hence the card is virtually free, if you spend ₹40,000 or more in the previous year.

Complimentary domestic airport lounge access – 2 times per quarter

Dining benefits via EazyDiner (Dining Delights program)
– This offer can be redeemed once every month.
– 15% discount at restaurants, upto ₹500 per month
– Minimum order amount of ₹2,500 required to avail discount
Hence you get a 15% discount on an order between ₹2500 and ₹3333, once per month. On orders above ₹3333, your discount percentage will fall below 15%

0.80% benefit on all card spends : You earn 4 EDGE reward point worth ₹0.80 or 80 paise , on every ₹100 you spend on all purchases.
– 1 EDGE reward point = ₹0.20 or 20 paise.
– No rewards will be earned on fuel spends.

Fuel surcharge waiver : 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
– Personalised card , with shades of the Indian Tricolour.
– Complimentary domestic airport lounge access – 2 times per quarter.

Drawbacks to consider
– The reward rate on card spending is low.

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

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.

ON  MONTHLY CARD SPENDS UPTO ₹1.50 LAKHS, YOU GET BELOW BENEFITS
▶︎ 6% – 12% benefit on travel spends, only via Axis Bank Travel EDGE platform (5X)
✓ 6% benefit (as cashback) : 30 EDGE reward points worth ₹6, on every ₹100 you spend on travel. 1 EDGE reward point = ₹0.20 (20 paise), as cashback
✓ 12% benefit (as partner points of airlines & hotels) : 30 EDGE reward points worth 12 partner points (of airlines & hotels), on every ₹100 you spend on travel. 1 EDGE reward point = 0.40 partner points.
✓ Travel bookings need to be done on Travel EDGE, a travel portal from Axis Bank

▶︎ 1.20% – 2.40% benefit on all non-travel spends (X)
✓ 1.20% benefit (as cashback) : 6 EDGE reward points worth ₹1.20, on every ₹100 you spend. 1 EDGE reward point = ₹0.20 or 20 paise cashback.
✓ 2.40% benefit (as partner points of airlines & hotels) : 6 EDGE reward points worth 2.40 partner points (of airlines & hotels), on every ₹100 you spend. 1 EDGE reward point = 0.40 partner points.
✓ Exceptions : No EDGE reward points given on fuel purchases, insurance spends (amount > ₹5000), and wallet recharge.

ON INCREMENTAL MONTHLY CARD SPENDS ABOVE ₹1.50 LAKHS, YOU GET BELOW BENEFITS
▶︎ 17.50% – 35% benefit on travel spends, only via Axis Bank Travel EDGE platform (5X)
✓ 17.50% benefit (as cashback) : 87.50 EDGE reward points worth ₹17.50, on every ₹100 you spend on travel. 1 EDGE reward point = ₹0.20 or 20 paise cashback.
✓ 35% benefit (as partner points of airlines & hotels) : 87.50 EDGE reward points worth 35 partner points (of airlines & hotels), on every ₹100 you spend on travel. 1 EDGE reward point = 0.40 partner points.
✓ Travel bookings need to be done on Travel EDGE, a travel portal from Axis Bank

▶︎ 3.50% – 7% benefit on all other card spends (X)
✓ 3.50% benefit (as cashback) : 17.50 EDGE reward points worth ₹3.50, on every ₹100 you spend. 1 EDGE reward point = ₹0.20 or 20 paise cashback.
✓ 7% benefit (as partner points of airlines & hotels) : 17.50 EDGE reward points worth 7 partner points (of airlines & hotels), on every ₹100 you spend. 1 EDGE reward point = 0.40 partner points.
– Exceptions : No EDGE reward points given on fuel transactions, insurance spends (amount > ₹5000), and wallet recharge.

Airline & Hotel partners
– Airline partners : AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
– Hotel partners : Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts
– On all partners, 1 EDGE Mile = 2 partner points, except Marriott International where 1 EDGE Miles = 1 partner point.

OTHER BENEFITS
▶︎ Unlimited complimentary airport lounge access – both in India and abroad
– International lounges : Unlimited complimentary international lounge visits through the Priority Pass Program, including 8 guest visits per calendar year.
– Domestic lounges  : You enjoy unlimited complimentary domestic lounge visits in India.

▶︎ Complimentary airport concierge service – 8 times per year
– Complimentary Airport Meet & Greet Services (includes assistance with airport processes like check-in, security check, immigration, and porter services) – 8 times per year
– You can use the services for yourself and your accompanying guests.
– Valid for domestic and international departures/arrivals at 16 airports across India.

▶︎ Movie & dining benefits
✓ BookMyShow benefits, upto ₹2500 per month
– ₹500 off on the second ticket, valid on both movie or non-movie bookings.
– You can use this offer upto 5 times per month
✓ EazyDiner benefits, upto ₹1000 per month
– 40% discount (up to ₹1000), at partner restaurants all over India.
– Minimum order amount of ₹2500
– Offer is valid once a month

▶︎ Reduced forex fee of 2% on international transactions

▶︎ Complimentary insurance coverage
– Counterfeit or lost cards up to the card credit limit
– Purchase protection up to ₹2 lakhs
– Loss or delay in baggage and personal documents (up to US$ 500)
– Credit shield protection up to ₹5 lakhs.

▶︎ 1% fuel surcharge waiver – at all fuel stations across India, on fuel purchases between ₹400 and ₹4000.

Benefits
– Ideal for frequent travellers, especially very high spenders
– Very good lifestyle benefits especially travel related like unlimited complimentary access to airport lounges both within India and abroad

Drawbacks to consider
– For non-travellers, this may not be a very attractive card, since the higher reward rates are available only on travel spends
– High annual card spend target to get annual fee waived of from 2nd year onwards

▶︎ 5% – 10% special benefit on travel spends
✓ 5% benefit (when you use your reward points for flights & hotel bookings) : 5 reward points (called EDGE Miles) worth ₹5, on every ₹100 spent you spend on travel. 1 EDGE Mile = ₹1, when you redeem EDGE Miles for flight & hotel bookings on Axis Travel EDGE Portal.
✓ 10% benefit (when you convert your reward points to partner points of airlines & hotels) : 5 reward points (called EDGE Miles) worth 10 partner points of airlines & hotels, on every ₹100 spent you spend on travel purchases. 1 EDGE Mile = 2 partner points of various airlines & hotel partners.
✓ Travel purchases – means airline & hotel purchases done on Axis Travel EDGE Portal, and on direct airline & hotels. Bookings made through travel agents, including online travel agents are only eligible for basic benefit ( 2 Miles on every ₹100 spent).

▶︎ 2% – 4% basic benefit on all other card spends
✓ 2% benefit (when you use your reward points for flights & hotel bookings) : 2 reward points (called EDGE Miles) worth ₹2, on every ₹100 you spend on all other card purchases. 1 EDGE Mile = ₹1, when you redeem EDGE Miles for flight tickets & hotel bookings on Axis Travel EDGE Portal
✓ 4% benefit (when you convert your reward points to partner points of airlines & hotels) : 2 reward points (called EDGE Miles) worth 4 partner points of airlines & hotels, on every ₹100 you spend on all other purchases. 1 EDGE Mile = 2 partner points of various airlines & hotel partners.
✓ Exceptions : No EDGE Miles given on fuel transactions, insurance (amount > ₹5000), and wallet recharge.

Airline & Hotel partners
– Airline partners: AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
– Hotel partners: Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts
– 1 EDGE Mile = 2 partner points of above airlines & hotels, except Marriott International where 1 EDGE Miles = 1 partner point.

▶︎ Milestone benefits – based on annual card spends
1. At ₹3 lakh yearly card spend (silver tier) – get 5,000 EDGE Miles (worth ₹5000 OR 10,000 partner points)
2. At ₹7.50 lakh yearly card spend (gold tier) – get 10,000 EDGE Miles (worth ₹10,000 OR 20,000 partner points)
3. At ₹15 lakh yearly card spend (platinum tier) – get 15,000 EDGE Miles (worth ₹15,000 OR 30,000 partner points)
– 1 EDGE Mile = ₹1 (when you redeem EDGE Miles for flight tickets/hotel bookings on Axis Travel EDGE Portal) OR 2 partner points of various airlines & hotel partners.

▶︎ Complimentary international & domestic airport lounge Access – based on tier based system
✓ International airport lounges 
– Silver Tier (at ₹3 lakh yearly card spend) : 4 free visits
– Gold Tier ((at ₹7.50 lakh yearly card spend) : 6 free visits
– Platinum Tier (at ₹15 lakh yearly card spend) : 12 free visits

✓ Domestic airport lounges
– Silver Tier (at ₹3 lakh yearly card spend) : 8 visits per year
– Gold Tier (at ₹7.50 lakh yearly card spend) : 12 visits per year
– Platinum Tier (at ₹15 lakh yearly card spend) : 18 visits per year

▶︎ Complimentary airport concierge services – only for Gold & Platinum Tier cardholders 
– Gold Tier : 2 times per year
– Platinum Tier : 4 times per year
– Service includes assistance across airport processes including check-in, security process, immigration process, and porter services.

▶︎ Complimentary airport pick up services (only for Platinum Tier cardholders) – 2 times per year

Benefits
– Good card for frequent travelers, one can get 10% or more if you use your partner points well
– Good lifestyle benefits for frequent travellers like complimentary lounge access both in India and abroad, concierge services and airport pick up service
– High benefit rate on non-travel purchases as well (4% or more), if you use your partner points well
– Card is virtually free if you spend a minimum of ₹3 lakhs per year

Drawbacks to consider
– High benefit rate is available only if you redeem your reward points on travel purchases, or convert them into partner (airlines & hotels) points. Hence may not be very suitable for those who are not frequent travellers.

0.66% benefit on specified travel categories, restaurants and international spends
✓ You earn 2.66 reward point worth ₹0.66 (66 paise), on every ₹100 you spend on card purchases specified below-
– Travel : Hotels || Travel Agencies & Tour Operators || Package Tour Operators || Airlines and Air Carriers
– Restaurants
– International spends
✓ 1 reward point = ₹0.25 or 25 paise. You can redeem your rewards points on Kotak Rewards (rewards redemption platform), for a variety of shopping e-vouchers, mobile recharges, travel, movies and more.

0.33% benefit on all other card spends
– You earn 1.33 reward point worth ₹0.33 (33 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise. You can redeem your rewards points on Kotak Rewards (rewards redemption platform), for a variety of shopping e-vouchers, mobile recharges, travel, movies and more.

Milestone benefits : additional benefits upto 0.9%
✓ You get either –
– 10,000 reward points worth ₹2500, when you spend ₹4 lakhs or more on your card each year.
OR
– 30,000 reward points worth ₹7500 , when you spend ₹8 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 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, and
– 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 surcharge waiver for railway ticket bookings–
– 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

Benefits
– Complimentary access to domestic airport lounges in India – 2 times per quarter

Drawbacks to consider
– High minimum income requirements
– Low 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

3% benefit on online shopping || 1.50% benefit on offline shopping
– You get 12 rewards points (Yes Rewardz Points) worth ₹3, on every ₹100 you spend on online shopping
– You get 6 rewards points (Yes Rewardz Points) worth ₹1.50, on every ₹100 you spend on offline shopping
– 1 reward point = ₹0.25, and can be redeemed for vouchers, products and more.
– Restrictions : You can earn a maximum of 36000 reward points in a month. This would be breached only if you spend more than ₹3 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 0.75% benefit only (3 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Complimentary visits to airport lounges in India – 3 per quarter

Complimentary visits to international airport lounges – 6 per year

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000

Complimentary insurance benefits
– Lost card liability upto ₹30 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹15 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death

Benefits
– 3% on online shopping, although there are some important exceptions like grocery & supermarket purchases.
– Complimentary lounge access both in India and abroad
– Complimentary golf rounds

Drawbacks to consider
– Lower rewards and benefits, especially on offline spends

▶︎ Lifetime free card, with welcome offers
– You get a welcome voucher worth ₹500, on spending ₹5,000 or more within 30 days of card generation.

▶︎ On monthly card spends upto ₹20000 : 1.50% benefit on online spends (6X) || 0.75% benefit on offline spends (3X)
✓ 1.50% benefit on online spends : You earn 6 reward points worth ₹1.50, on every ₹100 you spend
✓ 0.75% benefit on offline spends : You earn 3 reward points worth 75 paise, on every ₹100 you spend
✓ 1 reward point = ₹0.25 or 25 paise
Note :
– You earn no reward points on fuel, EMI transactions & cash withdrawals.
– You earn 0.25% benefit on insurance spends & utility bill payments (1 reward point worth 25 paise, on every ₹100 you spend)
– You earn 0.75% benefit on rental spends (3 reward point worth 75 paise, on every ₹100 you spend)

▶︎ On monthly card spends above ₹20000 and on your birthday : 2.50% benefit on all spends, online as well as offline (10X)
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend
– 1 reward point = ₹0.25 or 25 paise
– Note : rental & property management related spends, insurance spends, and utility bill payment spends are not be a part of 10X reward program and 10X threshold calculations.

▶︎ 0.25% benefit on insurance spends and utility bill payments (X)
– You earn 1 reward point worth 25 paise, on every ₹100 you spend in this category

▶︎ Complimentary golf benefits – upto 2 golf rounds per month
– You get maximum 2 free golf rounds per month (1 free round for every ₹20,000 you spend on your card in the previous month).

▶︎ Complimentary airport lounge (both domestic and international) & domestic airport spa access – total 4 times per quarter
– You need to spend ₹5000 on your card in the previous month, to avail this offer

▶︎ Complimentary railway lounge access – 4 times per quarter

▶︎ Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹1000 per month
– You get upto ₹500 off on the 2nd ticket, on Paytm mobile app.
– This is valid 2 times per month.

▶︎ Fuel surcharge waiver, upto ₹400 per month
– You get a 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹200 & ₹5000, and
– Only on fuel purchases upto ₹40,000 per month (since the waiver amount is capped at ₹400 per monthly card statement cycle).

▶︎ Emergency complimentary roadside assistance (RSA) package worth ₹1399
- You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure.
- You can avail this benefit up to 4 times a year.

▶︎ Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations
– Cancellation cover for 2 claims up to ₹10000, is available for hotel and flight booking cancellations.

▶︎ Complimentary insurance covers
– You get a ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card.
– You receive a ₹10 lakhs personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
– You get a complimentary air accident cover of ₹1 crore
– You get a complimentary travel insurance cover of USD 1200 : Loss of checked-in baggage – USD 500; delay of checked-in baggage – USD 100; loss of passport and other documents – USD 300; delay in flight – USD 300

Benefits
– Premium card offering, with no annual fee (lifetime free card)
– Range of benefits like complimentary airport & railway lounge access, free golf rounds, movie benefits, roadside assistance, complimentary insurance covers.

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

4.50% benefit on online shopping || 2.25% benefit on offline shopping
– You get 18 rewards points (Yes Rewardz Points) worth ₹4.50, on every ₹100 you spend on online shopping (see exceptions below)
– You get 9 rewards points (Yes Rewardz Points) worth ₹2.25, on every ₹100 you spend on offline spends
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– Restrictions : You can earn a maximum of 1 lakh reward points in a month. This would be breached only if you spend more than ₹5.55 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 1.25% benefit only (5 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Unlimited free visits to international airport lounges

Complimentary visits to airport lounges in India – 6 per quarter

Guest visits to airport lounges (domestic or international) – 8 per year

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹2400 per month
– Buy one ticket and get up to ₹800 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 3 times per month.

Low fee (foreign currency markup) of 1% on international transactions

Fuel surcharge waiver, upto ₹1000 per month 
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– 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

Complimentary insurance benefits
– Lost card liability of ₹15 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹15 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death
– Purchase protection plan : Cover against accidental damage for 6 months, for mobile & electronic devices purchased online

Benefits
– 4.50% on online shopping, although there are some important exceptions like grocery & supermarket purchases.
– Complimentary lounge access both in India (6 per quarter) and abroad (unlimited)
– Complimentary golf rounds (4 per year)
– Low fee of 1% on international transactions

Drawbacks to consider
– Can get higher rewards on other premium cards, especially on certain spends like supermarket purchases

1.50% benefit on online shopping || 0.75% benefit on offline shopping
– You get 6 rewards points (Yes Rewardz Points) worth ₹1.50, on every ₹100 you spend on online shopping
– You get 3 rewards points (Yes Rewardz Points) worth ₹0.75, on every ₹100 you spend on offline spends
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– Restrictions : You can earn a maximum of 12000 reward points in a month. This would be breached only if you spend more than ₹2 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 0.50% benefit only (2 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Complimentary visits to international airport lounges – 3 per year

Complimentary visits to domestic airport lounges – 2 per quarter

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹250 in all cases

Complimentary insurance benefits
– Lost card liability of ₹3 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹3 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death

Benefits
– Complimentary airport lounge access both in India and abroad
– Complimentary golf rounds

Drawbacks to consider
– Comparatively low reward rate on card spends, especially on offline spends

1% benefit on online shopping || 0.50% benefit on offline shopping
– You get 4 rewards points (Yes Rewardz Points) worth ₹1, on every ₹100 you spend on online shopping
– You get 2 rewards points (Yes Rewardz Points) worth ₹0.50, on every ₹100 you spend on offline spends
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– Restrictions : You can earn a maximum of 5000 reward points in a month. This would be breached only if you spend more than ₹1.25 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 0.25% benefit only (1 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Complimentary visits to airport lounges in India – 1 per quarter

Complimentary golf – 4 free golf rounds per year (maximum 1 per month), 1 free golf lesson per month

Fuel surcharge waiver, upto ₹250 per month 
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹250 in all cases

Complimentary insurance benefits
– Lost card liability of ₹3 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹3 lakhs, which protects your dependents from unpaid card bills, in the unfortunate event of the cardholder’s death

Benefits
– Complimentary lounge access both in India and abroad
– Complimentary golf rounds
– Above lifestyle benefits normally not available on cards with similar annual fee

Drawbacks to consider
– Low reward rate on card spends, especially on offline spends

5% benefit on Indigo spends
– You earn 5 reward points (called 6E reward points) worth ₹5 , on every ₹100 you spend at Indigo.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets
– Not valid on group, corporate, SME and agent bookings.
– Reward points are valid for 2 years from date of issuance.

3% benefit on grocery, entertainment and dining spends
– You earn 3 reward points (6E reward points) worth ₹3 , on every ₹100 spend you spend on grocery, entertainment, and dining.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets
– Reward points are valid for 2 years from date of issuance.

2% benefits on all other card spends 
– You earn 2 reward points (6E reward point) worth ₹2, on every ₹100 spend you spend on all other spends.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets
– Reward points are valid for 2 years from date of issuance.

Complimentary domestic airport lounge access – 2 per quarter

Discounted convenience fee on Indigo : You enjoy discounted convenience fee of ₹150 per passenger, on Indigo.

Benefits
– 5% benefit on Indigo spends.
– 3% on grocery, dining and entertainment spends
– You get 2% on all other cards spends, which is a healthy flat-rate reward rate on all card spends
– Complimentary use of dometic airport lounges – 2 times per quarter

Drawbacks to consider
– While the benefits are appealing, you need to be a regular Indigo flier since the earned benefits can only be redeemed/used for Indigo flight bookings.
– Not a good card for other major spending needs like shopping, fuel, bill payments etc. You need to consider other cards for these spending needs

Attractive annual fee offers
– Zero 1st year annual fee
– Annual fee from the 2nd year onwards is waived at ₹1.50 lakh annual card spend. If annual card spend is below ₹1.50 lakh, you get 4000 reward points worth ₹1000.

Complimentary domestic airport lounge access – 1 time per calendar quarter

1.33% reward on all monthly card spends above ₹20,000 || 0.66% reward on all monthly card spends under ₹20,000
- On all monthly card spends above ₹20,000 : You earn 5.33 reward points worth ₹1.33, on every ₹100 you spend in this category – 1.33% reward
- On all monthly card spends under ₹20,000 : You earn 2.66 reward points worth ₹0.66 or 66 paise, on every ₹100 you spend in this category – 0.66% reward
- 1 reward point = ₹0.25 (25 paise), when you redeem reward points for products, vouchers or services, on Standard Chartered Rewards Portal called R360 . You can also redeem your reward points for cashback against your outstanding credit card statement balance, at a slightly lower rate of 1 reward point = ₹0.20 (20 paise)
Exceptions
1. 0.16% benefit on insurance spends and government payments (X) : You earn 0.66 reward points worth ₹0.16 or 16 paise, on every ₹100 you spend in this category.
2. No reward points are given on the below categories-
– Fuel purchases, government spends, insurance spends.
– Returned purchases, disputed or unauthorized/fraudulent transactions, transactions not initiated by the cardholder, finance charges, any other charges and fees and charged back transactions; and
– Cash advances

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 ₹2000, and
– only on upto ₹40,000 fuel spend per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle

Benefits
– Card is virtually free : No joining fee. Annual fee is reversed if you spend ₹1.50 lakhs a year on the card. In case you do not qualify for this annual fee reversal, you are given reward points equivalent to the annual fee of the card.
– Complimentary domestic airport lounge access – 1 time per calendar quarter

Drawbacks to consider
– Rewards on card spending are comparatively low

Lifetime free card, with welcome offers
✓ Welcome offers :
– You get a welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.
– You enjoy 5% cashback (up to maximum ₹1000), on the transaction value of your first EMI – completed within 30 days of card generation.

On monthly card spends upto ₹20000 : 1.20% benefit on all online spends (6X) || 0.60% benefit on all offline spends (3X)
✓ 1.20% benefit on online spends : You earn 4.80 reward points worth ₹1.20, on every ₹100 you spend
✓ 0.60% benefit on offline spends and rental spends : You earn 2.40 reward points worth 60 paise, on every ₹100 you spend
✓ 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.
Note :
– You earn no reward points on fuel, EMI transactions & cash withdrawals.
– You earn 0.20% benefit on insurance spends & utility bill payments (0.80 points worth 20 paise, on every ₹100 you spend)
– You earn 0.60% benefit on rental spends (2.40 points worth 60 paise, on every ₹100 you spend)

On monthly card spends above ₹20000 and on your birthday : 2% benefit on all spends, online as well as offline (10X)
– You earn 8 reward points worth ₹2, on every ₹100 you spend in this category
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.
– Note : Rental & property management related spends, insurance spends, and utility bill payment spends are not be a part of 10X reward program and 10X threshold calculations.

0.20% benefit on insurance spends and utility bill payments (X)
– You earn 0.80 reward points worth 20 paise, on every ₹100 you spend
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Complimentary domestic airport lounge access – 4 times per quarter
– You need to spend ₹5000 on your card the previous month, to avail this benefit

Complimentary railway lounge access – 4 times per quarter

Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹500 per month
– You get upto ₹250 off on the 2nd ticket – on Paytm mobile app.
– This is valid 2 times per month.

Fuel surcharge waiver, upto ₹300 per month
– You get a 1% fuel surcharge waiver, at all fuel stations across India
– Only on fuel transactions between ₹200 & ₹5000, and
– Only on fuel purchases upto ₹30,000 per month (since the waiver amount is capped at ₹300 per monthly card statement cycle).

Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations
– Cancellation cover for 2 claims up to ₹10000, is available for hotel and flight booking cancellations.

Complimentary insurance covers
– ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card.
– ₹10 lakhs personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
– Air accident cover of ₹1 crore
– Travel insurance cover of USD 300 : loss of checked-in baggage – USD 100; delay of checked-in baggage – USD 67; loss of passport and other documents – USD 67; delay in flight – USD 67

Benefits
– The card is a good choice for those who value the simplicity of a lifetime free card
– The card offers a range of benefits like complimentary domestic airport & railway lounge access, movie benefits, roadside assistance, complimentary insurance covers.

Drawbacks to consider
– You can get better rewards on card spends on some of the other cards in the marketplace.

Upto 2.50% benefit through card spend based milestone program – White Pass
✔︎ You earn White Pass value at 8 levels of annual card spend–
1. At ₹3 lakh spend, you get 5000 White Pass value worth ₹5000
2. At ₹10 lakh spend, you get additional 15000 White Pass value worth ₹15000
3. At ₹20 lakh spend, you get additional 22000 White Pass value worth ₹22000
4. At ₹30 lakh spend, you get additional 24000 White Pass value worth ₹24000
5. At ₹40 lakh spend, you get additional 26000 White Pass value worth ₹26000
6. At ₹50 lakh spend, you get additional 28000 White Pass value worth ₹28000
7. At ₹75 lakh spend, you get additional 63000 White Pass value worth ₹63000
8. At ₹1 crore spend, you get additional 67000 White Pass value worth ₹67000
✔︎ Hence at ₹1 crore card spend, you would earn a total of 2.50 lakhs White Pass Value worth ₹2.50 lakhs – 2.50% reward rate.
– 1 White Pass = ₹1, you can redeem White Pass value for an exclusive range of gift vouchers of premium brands, flights, hotels and more.
– You can also redeem White Pass for cashback, at a lower rate of 1 White Pass = ₹0.70 (70 paise)

Unlimited complimentary access to airport lounges, both in India and abroad

Complimentary golf across the world – 2 free golf rounds per month

Low foreign transaction fee of 2%

1% fuel surcharge waiver, upto ₹4500 per year 
– only on fuel transactions between ₹400 and ₹4000 and
– only on yearly fuel purchases upto ₹4.50 lakhs per calendar year (since the maximum waiver amount is capped at ₹4500 per year).

Luxury lifestyle management services
– Curated travel experiences : You enjoy a wide range of unique travel experiences organized for you
– Personal shopping team : Curation and negotiation of special purchases and deals on luxury brands for you
– Fine dining reservations : You enjoy tables at the finest restaurants across the world
– Everyday gifting : Special gifts and deliveries for your loved ones
– Exclusive events and experiences : You can access the most sought-after events and experiences around the world

Benefits
– You can get upto 2.50% benefit on all card spends, through the spend based milestone program – White Pass
– You get unlimited complimentary access to airport lounges both in India and abroad
– You get complimentary golf across the world – 2 free golf rounds per month

Drawbacks to consider
– You can get better rewards with other premium cards available in the marketplace

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

3% benefit on Indigo spends
– You earn 6 reward points (called 6E reward points) worth ₹6, on every ₹100 you spend at Indigo.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Not valid on group, corporate, SME and agent bookings.
– Reward points are valid for 2 years from date of issuance.

2% benefit on entertainment, dining & grocery spends
– You earn 2 reward points (6E reward points) worth ₹2, on every ₹100 spend you spend on entertainment, dining & grocery.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Reward points are valid for 2 years from date of issuance.

1% benefits on all other card spends 
– You earn 1 reward point (6E reward point) worth ₹1, on every ₹100 spend you spend on all other spends.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Reward points are valid for 2 years from date of issuance.
– Exception : No reward points are given on rent, wallet, education and government spends.

Benefits
– 3% reward rate on Indigo spends
– Higher reward rate of 2% on grocery purchases, dining expenditure and entertainment spends
– Good welcome offer worth over ₹1500

Drawbacks to consider
– No renewal offer, so this card is beneficial only if you fly frequently on Indigo

0.50% benefit on all purchases 
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all purchases.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for products, vouchers and more.
Exceptions –
– No reward points are given on fuel purchases.
– 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹ 100 you spend).

ICICI Milestone program - upto 0.25% additional benefit
– You earn 2000 reward points worth ₹500, upon ₹2 lakhs yearly card spend
– You get additional 1000 reward points worth ₹250, on each additional ₹1 lakh you spend during the year
– You can earn a maximum of 10,000 reward points per year, under this program.

Complimentary domestic airport lounge access – 1 per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary railway lounge access – 1 per 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%.

1% fuel surcharge waiver : You get a 1% waiver fuel surcharge, only on HPCL fuel transactions below ₹4000.

Benefits
– Good choice for those starting their credit journey
– Complimentary access to domestic airport and railway lounges (once per quarter)
– 25% discount on movie tickets

Drawbacks to consider
– Reward rate on card spends is low

Personalised appearance of credit card
– You can personalise your credit card as you like.
– You can pick and choose from a gallery of 175+ designs, and choose what defines you best – sports, adventure, travel, music, food, fashion, nature or wildlife.
– You can also upload your own picture, one which defines you, which takes you down your memory lane or keeps you closer to your loved ones

0.75% benefit on all card spends
– You earn 3 reward points worth ₹0.75 or 75 paise, on every ₹100 you spend on all purchases.
– 1 rewards point = ₹0.25 or 25 paise. You can redeem your reward points for various options, including shopping, travel and entertainment vouchers.
Exceptions
– No reward points are given on fuel spends.
– Card spends on utilities and insurance categories earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend in these categories.

Complimentary domestic airport lounge access – 1 time per quarter
– You get free visits to airport lounges in India, 1 time per quarter
– This benefit is applicable only if you spend a minimum of ₹5000 on your credit card, 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%.

Fuel surcharge waiver
– You get a 1% waiver fuel surcharge, only on HPCL fuel transactions below ₹4000

Benefits
– You can personalise the appearance of your credit card
– Complimentary domestic airport lounge access

Drawbacks to consider
– The reward rate on card spending is comparatively low

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

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 10X REWARDS ON CARD SPENDS

(X)
1.3% reward on all card spends
- You get 2.6 reward points worth ₹1.3, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
Note : You can also redeem your reward points for a lower value as given below-
- You get 2.6 reward points worth ₹0.9, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem on the exclusive reward redemption catalogue via HDFC Smartbuy platform
- You get 2.6 reward points worth ₹0.5, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance 
Exceptions – no reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions.

(3X)
4% reward on Flipkart purchases || rail tickets bookings (done via HDFC Smartbuy platform)
- You get 8 reward points worth ₹4, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
Note : You can also redeem your reward points for a lower value as given below-
- You get 8 reward points worth ₹2.8, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem on the exclusive reward redemption catalogue via HDFC Smartbuy platform
- You get 8 reward points worth ₹1.6, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

(5X)
✓ 6.6% reward on flights & bus booking || shopping purchases at Apple, Nyka, Zoom Car || gift voucher purchases (done via HDFC Smartbuy platform)
✓ 6.6% reward at select partners – Swiggy, Zomato (not through HDFC Smartbuy)
- You get 13.3 reward points worth ₹6.6, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
Note : You can also redeem your reward points for a lower value as given below-
- You get 13.3 reward points worth ₹4.6, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem on the exclusive reward redemption catalogue via HDFC Smartbuy platform
- You get 13.3 reward points worth ₹2.6, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

(10X)
13.3% reward on hotels booking || purchases at IGP.com & Jockey (done via HDFC Smartbuy platform)
- You get 26.6 reward points worth ₹13.3, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
Note : You can also redeem your reward points for a lower value as given below-
- You get 26.6 reward points worth ₹9.3, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 26.6 reward points worth ₹5.3, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

Limits & restrictions on earning special reward points :
– On 3X-10X accelerated rewards, through HDFC Smartbuy: Maximum 4000 accelerated reward points per calendar month
– On 5X rewards on direct spends at select partners (Swiggy & Zomato) – Maximum 2500 accelerated reward points per calendar month, i.e. you earn 5X rewards on total monthly purchases upto ~₹23400 across these partners.

ADDITIONAL MILESTONE BENEFITS, UPTO 1%
– You get a ₹1500 voucher, at quarterly card spend of ₹1.50 lakh (you can select vouchers from Marriott, Decathlon, Barbeque Nation, O2 Spa or Lakme Salon)

OTHER BENEFITS

Complimentary worldwide airport lounge (both international and domestic lounges) – 2 times per quarter
– This is applicable for both primary and add-on cardholders
– This is applicable only if you have a minimum card spend of ₹15000 in the previous quarter

‘Buy 1 Get 1 Free’ on movie/non-movie weekend tickets – via BookMyShow
– Offer is applicable for shows on friday, saturday and sunday (irrespective of booking day).
– Maximum discount is ₹250 on the 2nd ticket
– Upto 2 free tickets per month

Low fee of 2% on international transactions

Complimentary insurance benefits
– accidental air death cover worth ₹1 crore
– emergency overseas hospitalisation coverage of up to ₹25 lakhs
– travel insurance cover of upto USD 80 on baggage delay (USD 10 per hour & restricted to 8 hours)
– lost card liability cover of up to ₹9 lakhs

Exclusive offers from Diners

Benefits
– Accelerated benefits of upto 13.3% on various shopping, travel and other partners
– Good lifestyle perks like complimentary airport lounge access, and complimentary Swiggy One & Times Prime membership.

Drawbacks to consider
– Reward rates on the non-promoted categories is not high