Points & Rewards Credit Cards with Dining Offers in India 2026

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Upto 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

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

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

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

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

Complimentary OneApollo Gold Tier membership for 1st year
– If you meet the Apollo annual spend criteria for Gold membership, then you retain the Gold Tier membership after the 1st year, otherwise you are moved to Silver tier membership
– Annual spend criteria for Gold membership : The card holder has to spend at least ₹75,000 at Apollo ecosystem during the year

Benefits of OneApollo Gold Tier membership include-
- Earn 1.50 Apollo Health Credits worth ₹1.50, on all spends at all Apollo Health Centers (Apollo Hospitals & Clinics, Apollo Pharmacy and more)
- Extra benefits at Apollo Pharmacy : 5% on non-pharmaceutical products || 10% on pharmaceutical products || 10 to 15% on Apollo brand products. Benefits given in the form of Apollo Health Credits. 1 Apollo Health Credit = ₹1
- Free home delivery of medicines
- Upto 20% discount on various Apollo services like health check ups, lab services, diagnostics, physio therapy, IVF, home nursing services, dental treatment, and more

3% additional reward on all Apollo spends with your card (in addition to rewards earned as an Apollo member)
– Get 3 reward points worth ₹3, on every ₹100 you spend on various Apollo services
– 1 reward point = ₹1, and can be redeemed instantly at select Apollo outlets, can used to buy Apollo vouchers, or can be converted to Apollo Health Credits
(Apollo Health Credits : 1 reward point = 1 Apollo Health Credit = ₹1. Reward points first need to be converted to Apollo Health Credits, which can then be redeemed at various Apollo Health Centers - Apollo Hospitals & Clinics, Apollo Pharmacy and more)

2% reward on dining spends || movie spends || entertainment spends
– Get 2 reward points worth ₹2, on every ₹100 you spend in these categories
– 1 reward point = ₹1, and can be redeemed instantly at select Apollo outlets, can used to buy Apollo vouchers, or can be converted to Apollo Health Credits

1% reward on beauty & wellness services spends
– You get 1 reward point worth ₹1, on every ₹100 you spend in these categories
– 1 reward point = ₹1, and can be redeemed instantly at select Apollo outlets, can used to buy Apollo vouchers, or can be converted to Apollo Health Credits

0.50% reward on all other non-fuel card spends
– You get 0.50 reward points worth ₹0.50, on every ₹100 you spend in these categories

Fuel surcharge waiver upto ₹100 per month
– You get 1% fuel surcharge waiver, on fuel transactions between ₹500 & ₹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 users of Apollo services

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

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

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

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

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

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

Benefits
– Good card for frequent shoppers at Aditya Birla stores

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

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.

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

Complimentary Times Prime membership worth ~ ₹1000
– The membership remains valid if you conduct at least 1 card transaction each quarter
– The membership gives you offers & free subscriptions of various brands – Gaana Plus, Sonyliv, TOI+, Chaayos, Uber, Myntra and many more.

50% discount on movie tickets via BookMyShow, upto ₹600 per month
– Maximum discount of ₹600 per month, and on maximum 4 discounted tickets per month

Complimentary 6 months Eazydiner membership || 15% discount (upto ₹1500), on Eazydiner via PayEazy
– You need to set up your credit card on Eazydiner app (PayEazy), and pay through the app to avail 15% discount

Upto 20% discount (online & offline) at select partners, through Times Card WebApp
– Offers across shopping, wellness, hotel stays and more
– City wise offers based offers every single day

Reward point earning
– You get 10 reward points, on every 150 you spend on weekday dining
– You get 3 reward points, on every 150 you spend on all other card spends
– No reward points are given on wallet loads, EMI transactions, fuel spends

Fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is limited to ₹250 per month

Benefits
– Good card for those who like Time Prime membership.You get access to a host of partner offers through this membership. Times Group is one of India's largest media companies, hence they have good partner tie-ups
– Movie and dining offers through BookMyShow and EazyDiner, in addition to deals available through Times Prime membership
– Good welcome offers

Drawbacks to consider
– You will be restricted primarily to partners with whom Times ties up, and hence may limit your choices to earn rewards

Complimentary Times Prime membership worth ~ ₹1000
– The membership remains valid if you conduct at least 3 card transaction each quarter
– The membership gives you offers & free subscriptions of various brands – Gaana Plus, Sonyliv, TOI+, Chaayos, Uber, Myntra and many more.

25% discount on movie tickets via BookMyShow, upto ₹350 per month
– Maximum discount of ₹350 per month, and on maximum 4 discounted tickets per month

10% discount (upto ₹1500), on Eazydiner via PayEazy
– You need to set up your credit card on Eazydiner app (PayEazy), and pay through the app to avail discount

Upto 20% discount (online & offline) at select partners, through Times Card WebApp
– Offers across shopping, wellness, hotel stays and more
– City wise offers based offers every single day

Reward point earning
– 5 reward points, on every ₹150 you spend on weekday dining at standalone restaurants
– 2 reward points, on every ₹150 you spend on all other card spends
– No reward points are given on wallet loads, EMI transactions, fuel spends

Fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is limited to ₹250 per month

Benefits
– Good card for those who like Time Prime membership. You get access to a host of partner offers through this membership. Times Group is one of India's largest media companies, hence they have good partner tie-ups
– You get movie and dining offers through BookMyShow and EazyDiner, in addition to deals available through Times Prime membership
– Good welcome offers

Drawbacks to consider
– You will be restricted primarily to partners with whom Times ties up, and hence may restrict your choices to earn rewards

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

▶︎ 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.

₹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.

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.

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

5% earning on fuel purchases
✔︎ 4% benefit on IndianOil fuel purchases
– Earn 20 reward points worth ₹4, on every ₹100 you spend at IOCL fuel outlets – on purchases between ₹100 and ₹5000 per month.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s rewards redemption platform (EDGE Rewards) for a variety of vouchers, products and more.
✔︎ 1% fuel surcharge waiver at all fuel stations – only on fuel spends between ₹200 and ₹5000 per month

1% benefit on ‘online shopping‘
– You earn 5 reward points worth ₹1, on every ₹ 100 you spend on online shopping – on purchases between ₹100 and ₹5000 per month.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s rewards redemption platform (EDGE Rewards) for a variety of vouchers, products and more.

0.20% benefit on all other card purchases
– You earn 1 reward points worth ₹ 0.20 (20 paisa), on every ₹100 spent on all other purchases.
– Exceptions : No reward points are given on following spends – rent, utilities, educational services, and government institutions.

Dining benefits : 15% discount (upto ₹500) at restaurants, in partnership with EazyDiner
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500, at over 4000 restaurants nationwide.
– Minimum order amount of ₹2500.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will be below 15% since maximum discount is fixed at ₹500.

10% discount on Bookmyshow app/ website, upto ₹100 per month
– The offer is valid till 31st March 2024

Benefits
- Attractive fuel benefit rate of 5% (4% on IndianOil fuel spends and 1% fuel surcharge waiver)
- Low annual spend target of ₹50,000, to get annual fee waived off from 2nd year onwards
- Half of first year annual fee is compensated by welcome benefit of ₹250
- So, overall it is a very good entry level fuel card – since it gives accelerated rewards on fuel upto a monthly fuel spend of ₹5,000 , and also has a low annual fee waiver threshold of ₹50,000

Drawbacks to consider
- Accelerated fuel rewards are only available at IndianOil (IOCL outlets), so one needs to plan more in terms of going to particular fuel pumps to get fuel filled
- Not ideal for high fuel spenders – those spending more than ₹ 5,000 per month

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

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

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

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

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

Complimentary interactive video fitness sessions via Fitternity – 20 per month
– Get complimentary interactive video fitness sessions – 20 per month (4 interactive sessions and 16 recorded sessions)
– Only the primary cardholder can avail this complimentary service
– This program is brought to you through Fitternity, a one-stop-destination for fitness enthusiasts

Complimentary video doctor consultations via Practo – 4 per month
– Enjoy complimentary video doctor consultations – 4 per month.
– You can avail this service along with 3 of your family members, but within the limit of 4 consultations per month.
– This program is brought to you through Practo, one of India’s leading integrated healthcare companies.

₹500 discount on annual health check up, via Indus Health Plus
– Get ₹500 discount on your annual health check up.
– You can avail this service once per year.
– This program is brought to you through Indus Health Plus, one of India’s leading preventive health check-up company.

1% benefit on insurance spends || 0.20% benefit on all other card spends
– Earn 1 EDGE reward point worth ₹0.20 (20 paise), on every ₹100 you spend on your card.
– On insurance spends, you get 5X benefits, i.e. you earn 5 EDGE reward point worth ₹1, on every ₹100 you spend on insurance
1 EDGE reward point = ₹0.20 or 20 paise, and can be redeemed for vouchers, products and more on Axis Bank’s rewards redemption platform.

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%

Fuel surcharge waiver, upto ₹250 per month :
– You get a 1% fuel surcharge waiver, only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹25000 per month (since the maximum waiver amount is capped at ₹250 per monthly card statement cycle)

Benefits 
– Best for health and wellness benefits. You get complimentary fitness sessions, complimentary video doctor consultations, and discount on annual health checkup.
– You also get benefits through Axis Bank’s partnerships with Eazydiner, and other partners which are show-cased on the Axis Grabdeals platform.

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

Personalised card : Personalised card with shades of Indian Tricolour. Dedicated 4th embossing line for serving the nation.

Card is virtually lifetime free at ₹20,000 annual card spend
- Annual fee is not charged from the 2nd year onwards, if you spend ₹20,000 or more in the previous year.
- Hence the card is virtually free, if you spend ₹20,000 or more in the previous year.

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 point worth ₹0.40 or 40 paise, 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.
– No rewards are given on fuel spends.

Fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver –
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases of upto ₹25000 per month (since the maximum waiver amount is restricted to ₹250 per monthly card statement cycle)

Benefits
– Personalised card for Defence personnel , with shades of the Indian Tricolour.

Drawbacks
– The reward rates on card spending are low.

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.

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Complimentary airport lounge access in India – 2 times per quarter 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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