आरबीएल बैंक क्रेडिट कार्ड
RBL बैंक, जिसे पहले रत्नाकर बैंक लिमिटेड के नाम से जाना जाता था, भारत में निजी क्षेत्र का एक प्रमुख बैंक है, जिसका इतिहास अगस्त 1943 में अपनी स्थापना से ही समृद्ध है। मुंबई, महाराष्ट्र में मुख्यालय वाला RBL बैंक पिछले कुछ दशकों में काफी विकसित हुआ है, जो उपभोक्ता और कॉर्पोरेट बैंकिंग, वित्त और बीमा, और क्रेडिट कार्ड सहित विभिन्न बैंकिंग क्षेत्रों में सेवाओं की एक विस्तृत श्रृंखला प्रदान करता है। RBL बैंक विभिन्न उपभोक्ता आवश्यकताओं को पूरा करने के लिए डिज़ाइन किए गए क्रेडिट कार्ड की एक विविध श्रेणी प्रदान करता है, जिसमें विशेष लाभ और एक व्यापक पुरस्कार कार्यक्रम शामिल है। RBL बैंक द्वारा प्रदान किए जाने वाले क्रेडिट कार्ड में कैशबैक, मनोरंजन, यात्रा, जीवनशैली और बहुत कुछ के विकल्प शामिल हैं, जो यह सुनिश्चित करते हैं कि हर तरह के खर्च करने वाले के लिए एक कार्ड है। RBL बैंक का क्रेडिट कार्ड पोर्टफोलियो व्यापक है, जो लगभग हर तरह के खर्च करने वाले के लिए एक कार्ड प्रदान करता है। चाहे आप पुरस्कार अर्जित करना चाहते हों, यात्रा पर बचत करना चाहते हों या मनोरंजन लाभों का आनंद लेना चाहते हों, RBL बैंक के पास एक ऐसा क्रेडिट कार्ड है जो मूल्यवान पुरस्कार और लाभ प्रदान करते हुए आपके खर्च करने के अनुभव को बढ़ा सकता है।
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Federal BankScapia Credit Card
The Federal BankScapia Credit Card is a unique financial product for travel enthusiasts. It is
the result of a collaboration between Federal Bank and Scapia Technology Pvt. Ltd., aiming
to transform everyday expenses into travel experiences. Cardholders can enjoy a plethora of
benefits, including unlimited domestic lounge access on spending over ₹5,000, earning 10%
Scapia coins on all eligible spends, and a significant 20% back on travel bookings made via
the Scapia App. The card also boasts a zero forex markup on international transactions, no
joining or annual fees, and a rapid, fully digital onboarding process through the Scapia app.
With instant redemption on flights and hotels at a conversion rate of 5 Scapia coins to ₹1, and
24x7 customer service, it's tailored to offer a seamless travel experience.
Joining Fee: NIL
Welcome Benefit: None
Special Feature: Unlimited lounge visits.
Fees and Charges
41.88% (3.49% per month).
Interest Rate
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HDFC Bank Millenia Credit Card
The HDFC Bank Millenia Credit Card doesn't offer complimentary lounge access anymore.
Instead, it has a quarterly spending milestone program. If you spend Rs. 1 lakh or more in a
calendar quarter, you'll be eligible to choose between a Rs. 1,000 voucher or a DreamFolks
airport lounge access voucher. This voucher provides access to participating lounges across
various domestic airports in India. The voucher is valid for three months and can be used by
both you and any add-on cardholders. While it requires reaching a spending target, this
program gives you the flexibility to choose between a lounge visit and other rewards.
Joining Fee / Renewal Membership Fee: ₹1,000/- (Spend ₹1,00,000 or more in a
year, before your Credit Card renewal date and get your renewal fee waived off) Welcome Benefit: By paying your Joining Membership Fee you can get a Gift
Voucher equivalent to the Fee Amount.
Special Feature: INR 1000 worth of gift vouchers on spends of INR 1,00,000 and
above in each calendar quarter. Customers can either claim the gift voucher or claim
free domestic lounge visit.
Fees and Charges
3.6% per month (or 43.2% per annum).
Interest Rate
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Axis Bank Miles & More World Credit Card
Consider the Axis Bank Miles & More World Credit Card if you're a frequent traveler
seeking travel rewards. This card offers an attractive welcome bonus of miles and rewards
you with miles on every spent amount, effectively letting you earn unlimited miles for flights
and travel upgrades. A key perk is complimentary lounge access. The World variant offers
Priority Pass membership with 2 free visits per quarter to unwind in over 30 domestic airport
lounges while you wait for your flight. This provides a comfortable and relaxing pre-travel
experience, making your journeys even more enjoyable.
Joining/Renewal Membership Fee: INR 3500 + Applicable Taxes
Welcome Benefit: Get 15,000 bonus miles on card activation. Priority pass
membership.
Special Feature: Get 2 free international lounge visits every year and 4 free domestic
lounge visits every year.
Fees and Charges
3.40% per month (49.96% per annum).
Interest Rate
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Club Vistara SBI Card Prime
The Club Vistara SBI Card Prime offers a range of lounge access features designed for
frequent travelers. Cardholders can enjoy eight complimentary visits per year to domestic
airport lounges, with a maximum of two visits per quarter, ensuring a comfortable travel
experience within India. Additionally, the card provides a complimentary Priority Pass
Membership, valued at $99, which includes four complimentary visits per calendar year to
international Priority Pass Lounges outside of India, with a maximum of two visits per
quarter. This card not only enhances the airport experience with these lounge benefits but also
comes with a comprehensive insurance cover, including Air Accident Insurance, adding an
extra layer of security for travelers.
Joining/Renewal Membership Fee:₹ 2,999/- + Applicable Taxes
Welcome Benefit: Get 1 premium economy ticket as a free gift voucher on payment
of annual / renewal fee.
Special Feature: Get 1 premium economy ticket each on annual spends of INR 1.5
lakhs, INR 3 lakhs, INR 4.5 lakhs & INR 8 lakhs.
Fees and Charges
3.50% per month (42% per annum)
Interest Rate
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HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card caters to frequent travelers with its lounge access features.
The card grants you 12 complimentary visits per year to domestic and international lounges
within India. This allows you to relax and unwind comfortably while waiting for your flight.
Whether you're departing for a business trip or embarking on a vacation, you can take
advantage of these visits to avoid the hustle and bustle of the terminal. Keep in mind that
visits exceeding the complimentary quota or lounges outside the program's network may
incur additional charges.
Joining Fees, and Annual Fees: INR 2500 + GST
Welcome Benefit: Free Club Vistara Silver Tier membership and MMT Black
membership if you spend INR 1 lakh or above within 90 days of purchasing this card.
Special Feature: 12 free lounge access within India (both at domestic and
international terminals). Free membership to Priority Pass, you and your add-on
member can together avail up to 6 free lounge access per calendar year, outside India.
Fees and Charges
3.6% per month (i.e., 43.2% per annum).
Interest Rate
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BOB Eterna Credit Card
Indulge in a luxurious travel experience with the BOB Eterna Credit Card. This card caters to
your desires for a premium lifestyle, offering benefits beyond just regular transactions. One
of its highlights is the unlimited complimentary access to domestic airport lounges for Eterna
Mastercard holders. This means you can unwind in comfortable seating, enjoy
complimentary refreshments, and access Wi-Fi while waiting for your flight, making your airport layovers a breeze. So, whether you're a frequent flyer or an occasional traveler, the
BOB Eterna Credit Card can elevate your airport experience.
Joining Fees: INR 2499/-
Welcome Benefit: FREE 6 months FitPass Pro membership worth ₹ 15,000 as a
Welcome Gift.
Special Feature: Unlimited Complimentary access to domestic lounges.
Fees and Charges
14.00% to 20.00% p.a.
Interest Rate
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HDFC TATA Neu Infinity Credit Card
The HDFC TATA Neu Infinity Credit Card is a premium card offering rewards on various
spending categories. You can earn NeuCoins on your purchases, redeemable for discounts
and benefits within the TATA Neu ecosystem. The card shines for its high spending rewards,
particularly in groceries, fashion, electronics, and travel. Additionally, it provides
comprehensive insurance coverage, including accidental death coverage, overseas
hospitalization coverage, and lost card liability coverage. For frequent travelers, the lounge
access features are particularly enticing. The card grants access to domestic airport lounges
multiple times a year, offering a comfortable space to relax and unwind during your journeys.
Joining fee: INR 1499 + GST
Welcome Benefit: Get 499 NeuCoins on Tata Neu App (as reversal of 1st Year
Membership Fees), applicable on 1st Transaction done within 30 days of card
issuance and will be available to claim inside Tata Neu App within 60 days of such
transaction.
Special Feature: Get 8 Complimentary Domestic Lounge Access per calendar year
and also avail up to 4 Complimentary International Lounge Access per calendar year.
Fees and Charges
3.49% per month i.e 41.88% annually
Interest Rate
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AU Bank Zenith+ Credit Card
AU Bank's Zenith+ Credit Card caters to the frequent flyer with its premium travel benefits.
This exclusive metal card offers complimentary airport lounge access, transforming your
layovers into relaxing experiences. Enjoy two complimentary visits per quarter within India
using your Visa card. This translates to up to eight visits per year, allowing you to unwind in comfortable surroundings with amenities like refreshments, Wi-Fi, and workspaces before
your onward journey. AU Bank also provides access to a comprehensive list of participating
lounges, ensuring a comfortable and productive pre-flight experience.
Annual Fee (one time): INR 4,999 + GST
Welcome Benefit: Customers get to choose from a range of Luxury Brand Vouchers
or Reward points worth INR 5,000 on Zenith+ card activation.
Special Feature: Card offers 16 complimentary Domestic Airport Lounges.
Fees and Charges
1.99% per month (23.88% annually).
Interest Rate
HDFC Infinia Credit Card
HDFC Infinia Credit Card caters to frequent travelers with its extensive lounge access
program. The card grants you unlimited access to over 1,000 airport lounges globally through
Priority Pass membership, perfect for unwinding during layovers. This benefit extends to
add-on cardholders as well. On top of that, Infinia offers complimentary domestic lounge
access within India with four visits allowed per quarter directly using your HDFC Infinia
Card. So, whether your travels take you near or far, you can relax and recharge in
comfortable surroundings before your next flight.
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Annual Fee (one time): INR 12,500 + GST
Welcome Benefit: Complimentary nights & buffet at participating ITC hotels.
Special Feature: Customers can enjoy unlimited complimentary lounge access at
airports within and outside India at 1,000+ airport lounges using Priority Pass (benefit
also available for add-on Priority Pass holders).
Fees and Charges
1.99% per month (23.88% annually).
Interest Rate
Welcome Benefits Table
Federal Bank Scapia Credit Card-None
HDFC Bank Millenia Credit Card- By paying your Joining Membership Fee you can get a Gift Voucher equivalent to the Fee Amount.
Axis Bank Miles & More World Credit Card- Get 15,000 bonus miles on card activation. Priority pass membership.
Club Vistara SBI Card Prime-Get 1 premium economy ticket as a gift voucher on payment of the annual / renewal fee.
Intermiles HDFC Bank Signature Credit card- InterMiles Silver membership by default for the first year, and 3,000 InterMiles upon spending Rs. 6,000 within first 30 days ofcard set up 5,000 InterMiles on total retail spends of Rs.90,000 and above, within first 90 days.
HDFC Regalia Gold Credit Card- Free Club Vistara Silver Tier membership and MMT Black membership if you spendINR 1 lakh or above within 90 days of purchasing this card.
BOB Eterna Credit Card- FREE 6 months FitPass Pro membership worth ₹ 15,000 as a Welcome Gift.
HDFC TATA Neu Infinity Credit Card- Get 499 NeuCoins on Tata Neu App (as a reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
AU Bank Zenith+ Credit Card-Customers get to choose from a range of Luxury Brand Vouchers or Reward points worth INR 5,000 on Zenith+ card activation.
HDFC Infinia Credit Card- Complimentary nights & buffet at participating ITC hotels.
Rewards Table
Federal Bank Scapia Credit Card-10% scapia coins on all your normal purchases and 20% scapia coins on all travel purchases through the scapia app. Value of 5 coins is INR 1. Effective cashback rate on normal transactions is 2% and effective cashback rate on travel transactions is 4%.
HDFC Bank Millenia Credit Card- 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions.
Axis Bank Miles & More World Credit Card- Get 2 miles on spending INR 100 on all spends excluding EMI, wallet recharge, cash withdrawal, etc. These miles can't be converted into cash directly but can be used to book flights with partner airline companies. Value of 1 mile will depend on the flight being booked by you. You can also use miles for booking hotels, renting cars, and shopping at select partner stores.
Club Vistara SBI Card Prime-Reward System: Earn 2 CV points per INR 100 spent on all your spends. Value of 1 point = INR 0.75. Cashback percentage: 1.5%.
Intermiles HDFC Bank Signature Credit Card- 1 InterMiles is equal to 0.0125 air mile. Customers get 2 InterMiles per Rs. 100 spent.
You earn 8 InterMiles on every Rs. 150 spent on retail spending.
You earn 16 InterMiles on every Rs. 150 spent on every Hotel booked at Interbook.intermiles.com.
You earn 2 InterMiles on every Rs. 150 spent on fuel.
You earn 1 InterMiles on every Rs. 150 spent on dining, movies, and airport lounges.
Effective Cashback rate = 2%
HDFC Regalia Gold Credit Card- 4 reward points per INR 150 spent on retail purchases. Value of 1 reward point = INR 0.25. Cashback rate = 0.67%. 5X reward points on select merchants like Myntra, Nykaa, Reliance Digital, and M&S. Effective special cashback rate: 3.33%
BOB Eterna Credit Card-Customers can earn 15 Reward points for every INR 100 spent on travel, international transactions, dining ,and online shopping. (1 RP= 0.25)
Effective Cashback Rate: 3.75%
HDFC TATA Neu Infinity Credit Card-NeuCoins Redemption: You can use your NeuCoins for purchases on the Tata Neu App/Website for various brands.
For every Rs. 100 spent you get 1NeuCoin.
1 NeuCoin = ₹1, redeemable on the Tata Neu App
The cashback earned is capped at Rs. 1500 per calendar month for Tata Neu transactions, Rs. 500 per calendar month for accelerated categories, and Rs. 2000 per calendar month for all other retail transactions. The effective Cashback ratevaries from1% to 5%.
AU Bank Zenith+ Credit Card- Earn 2 Reward Points for every INR 100 spent on travel, dining, and international spending.
Earn 1 Reward Point per INR 100 on retail spending across all merchant categories. The value of 1 Reward Point is INR 1.
Effective Cashback Rate: 2% (on travel, dining, and international spending), and 1% for other spending.
HDFC Infinia Credit Card- Earn 5 Reward Points on every Rs.150 retail spends Reward Points can be redeemed for: Flight and Hotel Bookings via Smartbuy at a value of 1 RP = Rs1 Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = Rs. Airmiles conversion through netbanking at the value of 1RP = 1 airmile Products and Vouchers via Netbanking or SmartBuy at value of 1 RP = upto Rs 0.50 Cashback at a value of 1 RP = Rs 0.30
Effective Cashback Rate= 1%
Annual Fees Table
Federal Bank Scapia Credit Card-Lifetime Free Credit Card
HDFC Bank Millenia Credit Card- 1,000/- (Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off ).
Axis Bank Miles & More World Credit Card- Joining Fee: INR 3,500 + GST.
Club Vistara SBI Card Prime- Joining/Renewal Membership Fee:₹ 2,999/- + Applicable Taxes.
Intermiles HDFC Bank Signature Credit Card-Joining Fee / Renewal Membership Fee: INR 2,500 /- + Applicable Charges.
HDFC Regalia Gold Credit Card- Joining/ Renewal Membership Fee of INR 2500 + Applicable Taxes.
BOB Eterna Credit Card- First Year Fee: (levied in the first statement): ₹2499.
Annual Fee: ₹2499 *Get a joining fee waiver on spending ₹ 25,000 within the first 60 days of the card setup date.
HDFC TATA Neu Infinity Credit Card- Joining/Renewal Membership Fee – ₹1,499/- + Applicable Taxes.
AU Bank Zenith+ Credit Card- Annual Membership Fee: INR 4,999 + applicable taxes.
HDFC Infinia Credit Card- Joining fee: Rs.12,500
Renewal fee: Rs.5,000 (Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next
year.)
FAQs
Q: Do all travel credit cards offer lounge access?
No, not all travel cards offer lounge access. Be sure to check the specific benefits of each card before applying.
Q: What types of lounges can I access with credit cards?
Credit cards typically offer access to lounges through programs like Priority Pass, LoungeKey, or issuer-specific networks (like Amex Centurion Lounges). The specific lounges you can access will depend on the card and program.
Q: Is there a limit on how many times I can use the lounge?
Yes, some cards offer a limited number of complimentary lounge visits per year, while others provide unlimited access. Consider your travel frequency when choosing a card.
Q: Can I bring guests with me to the lounge?
Some cards allow complimentary guest access, while others charge a fee per guest. Check the card details for guest access policies.
Q: What amenities are typically offered in airport lounges?
Amenities can vary but often include comfortable seating, work areas, Wi-Fi, refreshments, and sometimes even showers or spa treatments.
Q: Is the annual fee for a lounge access card worth it?
This depends on your travel habits. If you travel frequently and value airport lounge access, the annual fee may be justified. Consider the cost per lounge visit compared to the annual fee.
Q: Are there any credit cards with free lounge access?
Yes, some cards, particularly those with lower annual fees, might offer a limited number of complimentary lounge visits. However, these cards often have less extensive lounge access
networks.
Q: Do lounge access cards offer other travel benefits?
Many lounge access cards offer additional travel benefits like travel insurance, airport fee credits, or reward points for travel purchases.
Q: How can I compare different lounge access credit cards?
Review credit card websites and compare factors like annual fees, lounge access networks, guest access policies, and additional travel benefits. Consider using credit card comparison
websites for a side-by-side view.
Q: Should I consider my credit score when applying for a lounge access card?
Yes, most lounge access cards require good to excellent credit scores for approval. Be sure to
check the credit score requirement for each card before applying.