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350 bonus reward points worth Rs. 350 on card activation, subject to a single transaction of Rs. 500 or more done within 45 days of card issuance

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

10% value-back as reward points, upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website/app

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

4 complimentary railway lounge access in a year (1 per quarter)

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

Low annual fee travel credit card

Good value on train ticket bookings via IRCTC

Complimentary railway lounge access

Transaction charge waiver on railway ticket booking via IRCTC

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%

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

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

Domestic travellers who prefer travelling via railways over airlines and want a low annual fee card

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