Credit Card Compare

Bonus 1,000 cash points on joining fee payment

NA

5% cashback up to 1,000 cash points/month on Flipkart, Swiggy, Amazon, BookMyShow, Myntra, Uber, Cult.fit, Sony LIV, Tata CLiQ and Zomato

1% cashback up to 1,000 cash points/month on other spends

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

Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends

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

Up to 5% cashback on major lifestyle-related online spends

Bonus points worth the joining fee on activation

Multiple redemption options with redemption value of up to 1:1

Annual fee waiver condition is quite easily achievable

Good reward rate across all categories

Multiple redemption options

Complimentary lounge access

Low forex mark-up fee

Monthly capping on cashback earning

Low cashback rate for non-accelerated category

Exclusion of major everyday spends like utilities and rent from cashback earning

Lounge access benefit is optional and spend-based

Lounge access is subject to reaching spend milestones

Spend threshold for milestone benefits is too high

Those who frequently spend online across partner brands.

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