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Complimentary e-gift voucher worth Rs. 5,000 on joining from any brand of choice among Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop

E-gift vouchers worth Rs. 3,000 from any of the top brands amongst Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra, Aditya Birla and more

5X rewards on dining, departmental stores & grocery spends

2 reward points per Rs. 100 on all other spends, except fuel

4 Reward Points = Rs. 1

10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies

2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel

20 reward points for every Rs. 100 spent on birthday

Value of 1 Reward Point = Rs. 0.25

2 domestic airport lounge visits per calendar quarter and 6 international lounge visits in a year

4 complimentary international lounge visits and 8 complimentary domestic lounge visits in a year

Accelerated rewards on everyday spends like grocery, dining and departmental store purchases

Good lounge access benefit at domestic as well as international airports

Complimentary movie tickets worth Rs. 6,000 every year

Low forex mark-up fee of 1.99%

5X reward points on dining, movies, grocery and departmental store spends

Milestone benefits worth Rs. 11,000 in a year on spending Rs. 5 Lakh or more

Complimentary domestic and international lounge visits

Benefits on hotel, golf, dining and more (based on card network)

Base reward earning rate is low for transactions outside the accelerated category

Reward redemption rate stands quite low at Rs. 0.25

No travel benefits other than complimentary lounge access

Low reward redemption value of Rs. 0.25

No other travel benefits except complimentary lounge access

Annual fee of Rs. 2,999 is quite high for the set of benefits offered

People who often watch movies and are frequent air travelers so that they can utilise the travel membership benefits

Frequent travellers and heavy spenders who can maximize the benefit of high reward rate along with other travel features