Earn 5 reward points on every Rs. 150 spent and get maximum benefit with 1 reward point equal to Re 1
5% cashback on duty-free spends
Up to 25% discount at the top 750 restaurants in India
Access 20 premier golf courses in India and 150 worldwide
Convert big credit card transactions (starting from Rs. 5,000) into easy EMI with "Kuch Bhi" facility at attractive rates pricing and flexible tenure options
Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber. Do note a maximum of 2,500 CashPoints can be earned in a calendar month
Get 5X CashPoints on EMI spends at merchant locations. Do note a maximum of 2,500 CashPoints can be earned in a calendar month
Earn 1 CashPoint for every Rs. 150 on other spends
Get up to 20% discount on partnered restaurants via Swiggy Dineout
Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions. The reward points are capped at 500 per calendar month
Zero lost Card liability
Avail up to 50 days of interest-free period
Enjoy Revolving Credit at a nominal interest rate
Enjoy amazing dining benefits with the Good Food Trail program
Get up to 20% savings on all restaurant bill payments via Swiggy Dineout, which consists of 20k + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via the Swiggy App
1% Fuel Surcharge waiver on fuel transactions. This is applicable for minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
Get 500 CashPoints- this is applicable only on payment of membership fee
Get the renewal membership fee waived by spending Rs. 50,000 and above in an annual year
Convert your big spends into EMI after purchase
The Credit Card is enabled for contactless payments
Spend Rs. 50,000 or more in a year, before the Credit Card renewal date to get renewal fee waived off
Editor's Review
Pros
2% foreign currency markup* fee on overseas spends
Access to over 1000 airport lounges across the world, with a complimentary Priority Pass membership
Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay
Cons
High Annual Fee of Rs. 5,000
No fee waiver
No category-specific elevated rates (e.g. Higher cashback rate for grocery spending)
Pros
Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber
Get 5X CashPoints on EMI spends at merchant locations, and 1 CashPoint for every Rs. 150 on other spends
Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions
Cons
No golf benefits are provided
No international and domestic airport lounge access
No rewards
More comparisions with Standard Chartered Ultimate Card