Credit Card Compare

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

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

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

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

NA

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

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

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

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

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

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

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