Credit Card Compare

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2,000 bonus reward points on spending Rs. 2,000 within 60 days of card issuance

4 reward points per Rs. 150 spent on all retail spends

10 reward points per Rs. 150 spent on dining, movies, departmental stores and grocery spends

1 reward point per Rs. 150 spent on other categories

1 reward point = Rs. 0.25

Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass

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Good reward rate across all categories

Multiple redemption options

Complimentary lounge access

Low forex mark-up fee

10X reward points on dining, movies, grocery and departmental store spends

Entry-level credit card with low annual fee and easier eligibility terms

Annual fee waiver condition of Rs. 1 Lakh in a year

Lounge access is subject to reaching spend milestones

Spend threshold for milestone benefits is too high

Reward redemption options are limited to select brand vouchers only

No significant benefits other than the rewards program

Low reward rate as compared to some entry-level cashback cards

People who can satisfy the fee waiver and lounge access spending conditions to make the most of the card features and those who frequently dine out

Beginners looking for a low-annual fee credit card with benefits on everyday categories