Credit Card Compare

Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK

NA

5 reward points for every Rs. 150 spent

Up to 10X reward points on SmartBuy and 2X rewards on weekend dining

1 reward point = Rs. 1 for flight & hotel bookings at SmartBuy

1 reward point = Up to Rs. 0.50 against product catalogue

1 reward point = Rs. 0.30 for cashback redemption against statement balance

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

Unlimited airport lounge access for primary and add-on card members

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

3.33% value-back across all spending categories

1:1 reward redemption against some of the leading airlines and hotels

Unlimited domestic and international lounge visits for primary and add-on user

6 complimentary golf games per quarter

Multiple complimentary memberships

Low forex mark-up fee of 2%

Good reward rate across all categories

Multiple redemption options

Complimentary lounge access

Low forex mark-up fee

Complimentary annual memberships will be renewed only on spending Rs. 8 Lakh or more in a year

Though forex mark-up fee of 2% is lower than the general 3.5% charged on most cards, it could have been lower, considering the card’s premium status

Lounge access is subject to reaching spend milestones

Spend threshold for milestone benefits is too high

High spenders who put most of their travel-related and other spends on their card, and want an all rounder credit card

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