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5 reward points per ₹150 spent, a 3.33% return rate across all categories

2% forex markup on international spends

Welcome brand vouchers fully offset the upfront first-year joining fee barrier

Excellent complimentary movie ticket benefit worth ₹6,000 every year via BookMyShow

Lifetime Free credit card with zero joining and zero annual maintenance charges

RuPay variant available for UPI payments

10X EDGE Points on apparel & department store purchases, capped at ₹7,000 spend/month

Instant savings on food delivery platforms including Swiggy

Discounts on movie tickets and food delivery apps

Complimentary domestic airport lounge access

10 EDGE reward points per ₹200 spent on all retail transactions

Double reward points (20 EDGE points per ₹200) on domestic & international travel

10X CashPoints on popular merchant partners (Swiggy, Uber, BigBasket, BookMyShow)

5X CashPoints on EMI spends

Highest tier First Citizen Black membership status at Shoppers Stop

20 First Citizen Points per ₹200 spent on Shoppers Stop private brand products

Instant PayZapp app-based purchase-to-EMI conversion at attractive interest rates

Digital card issuance with customizable widget controls in PayZapp

Up to 7% value-back on select Tata Neu ecosystem brands like Tata 1mg, BigBasket & Croma

499 bonus NeuCoins on joining, offsetting the fee in year one

Up to 10% NeuCoins on select Tata Neu category purchases

8 domestic lounge visits/year plus a complimentary Priority Pass membership

Discount vouchers worth up to ₹11,999, including a ₹8,750 milestone voucher on ₹3 Lakh spends

8 domestic + 4 international lounge visits/year with no spend condition

2.5% value-back on Reliance Retail, AJIO, Trends & JioMart purchases

Low ₹499 fee with an easily reachable ₹1 Lakh waiver threshold

Up to 7.5% cashback at World of Titan, Fastrack, Helios & Skinn stores

8 domestic + 4 international lounge visits per year

15%+ dining discount at 2,500+ Culinary Treats partner restaurants

25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month

Customizable card design from 175+ options across Zodiac, Sports & Travel themes

3 PAYBACK Points per ₹100 spent on all categories

12 domestic + 12 international lounge visits per year, plus 4 guest visits

Taj/Luxe gift vouchers worth ₹12,500 on joining, fully offsetting the fee

10 Reward Points per ₹100 on dining, entertainment, utilities & international spends

8,000-10,000 Reward Points welcome bonus on annual fee payment

2 free movie/event tickets every month on ₹5,000 monthly spend

₹500 welcome discount on BookMyShow bookings

Choose a reward plan (Home, Shop, Travel or Party) matched to your spending pattern

Up to 8X Reward Points in your chosen category, redeemable at ₹0.40/point

Free ₹300 movie ticket for every ₹10,000 spent in a month, uncapped

5% savings on PVR movie tickets

Fuel surcharge waiver on corporate fuel spends

Railway surcharge waiver included

4 Reward Points per ₹150 on all retail spends, doubling above ₹20,000 monthly spend

4 domestic lounge visits/year (1 per quarter)

5 Reward Points per ₹150 on hotels, restaurants & fuel, with no monthly cap

Complimentary Priority Pass membership covering 1,200+ airport lounges worldwide

2,000 bonus Membership Rewards Points on crossing ₹20,000 in monthly spend

1,000 points for 4+ transactions of ₹1,500 or more in a month

6 Reward Points per ₹200 on domestic online spends

Up to 45 interest-free days plus EMI conversion on purchases above ₹1,500

10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend

8 complimentary domestic + international lounge visits/year

10 Reward Points per ₹200 on dining, travel & international spends

1 domestic lounge visit/quarter plus 4 railway lounge visits/quarter

10 Reward Points per ₹200 on dining, travel & international spends

Up to 20% dining discount at 1,500+ partner restaurants

10 Reward Points per ₹200 on dining and travel spends

4 railway lounge visits per quarter on ₹20,000 monthly spend

1% cashback on your top 2 spend categories, auto-detected by the app

4 domestic lounge visits/quarter via Visa Signature

12% rewards on Amazon, Flipkart, Zomato & BigBasket via the CheQ app

5% rewards across 10,000+ brands for online shopping, travel, food delivery & grocery