Best Dining Credit Cards in India 2020

Whether you prefer to eat at restaurants or order food delivery, there are many credit cards in India that can give you extra rewards on your dining spend. We've reviewed a multitude of cards with the best dining benefits so you may choose the right one for you.

Best Dining Credit Cards
Best CashbackSC UltimateUp to Rs. 10,000 MakeMyTrip, 3.33% all spend
No FeeVijaya Rupay Credit Card5% cashback dining & utilities, 12 airport lounge visits/year
SecuredBOB Prime1% cashback, Rs. 15,000 minimum deposit
Online DeliverySBI Card Prime10 points per Rs. 100 spent on dining, 15 points on Big Basket
SBI SimplyCLICK5-10x on online spends (including food delivery)
Wealthy DinersKotak Delight Platinum10% dining/movies
Kotak Feast Gold10% on dining & movies
MilesAir India SBI Sig13.5% on travel bookings, 1.8% on other spending
Jet Airways Voyage Amex1.8% weekend rate, 3.6% weekend on Jet Airways
HDFC Diners Club Miles1.33% on all spends, Rs. 1,000 waivable annual fee
WeekendIconia Amex2% weekend reward rate on all categories

Best Overall Cashback Card: Standard Chartered Ultimate Card

Consider this if you are looking for a card that will help you earn high rewards on all spending categories

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Sign-Up Bonus: Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days of card issuance
  • Renewal benefit: 5,000 points

The Standard Chartered Ultimate Card is a great rewards card with 3.33% cashback on all spending categories, resulting it the card being ranked second in the dining category (5 points per Rs. 150 spent; 1 point = Rs. 1), making it a great option for those who dine out frequently. Furthermore, The SC Ultimate Card includes some valuable perks, including such as a Rs. 10,000 cashback on bookings via MakeMyTrip and up to 25% discount at 250 restaurants nationwide.

In addition to great rewards, cardholders will receive a great welcome gift of up to Rs. 10,000 cashback on MakeMyTrip tickets booked in your first 90 days and a card renewal benefit of 5,000 reward points. On general spending (including dining) you'll earn 3.33% rupee value back without exclusions (5 points per Rs. 150 spent; 1 point = Rs. 1 cashback). It's a great international travel card too, since its foreign currency transaction fee of 2% is one of the lowest in India. Therefore, a card like this will do well to earn great rewards on all your spending categories, including dining.

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  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions (points can also be redeemed for miles); 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Travel: Up to Rs. 10,000 cashback on MakeMyTrip if booked within 90 days, complimentary Priority Pass Membership, (access to over 1000 VIP airport lounges) 5% on duty free transactions
  • Dining: Up to 25% discount at select restaurants in India with advance reservation via concierge & online booking
  • Waivers: Rs. 25 or 2.5% of transaction (whichever is higher) on railway transactions, Rs. 10 or 1% of transaction (whichever is higher) on fuel transactions, convert transactions of over
  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions (points can also be redeemed for miles); 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Travel: Up to Rs. 10,000 cashback on MakeMyTrip if booked within 90 days, complimentary Priority Pass Membership, which gives you access to over 1000 VIP airport lounges across the globe, and 5% on duty free transactions
  • Dining: Up to 25% discount at 250 select restaurants in India with advance reservation via concierge & online booking
  • Waivers: Rs. 25 or 2.5% of transaction (whichever is higher) on railway transactions, Rs. 10 or 1% of transaction (whichever is higher) on fuel transactions, convert transactions of over

Best No-Annual Fee Dining Card: Vijaya Bank RuPay (Platinum or Select) Credit Card

Consider this if you're a relatively low spender, want a credit card with a high reward rate, and no annual fee

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gifts: ₹ 500 Tata Croma voucher; discount up to 15% at Apollo Pharmacy

The Vijaya Bank Rupay Credit Card is a great option if you don't put a lot on your credit card, but want a high return on your dining and utilities spend. You'll earn an excellent 5% cashback on those two categories (top-of-market rate for utilities), up to a maximum of Rs. 50 cashback monthly for each. Additionally, the card comes with a nice welcome gift, a Rs. 500 Tata Croma voucher. Last, you'll get great airport lounge access, with eight free domestic and four free international visits per year. If you don't charge too much to your credit card, get the Vijaya Rupay to avoid annual fees and get great return on your dining spend.

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  • No Annual Fees
  • Reward Earn Rate: 5% cashback on dining and utilities (max Rs. 50 cashback/month for each category)
  • Perks: 8 free visits/year across 30+ domestic airport lounges in 11 cities; 4 free/visits year across 500+ international airport lounges in 300 cities; loss of life and permanent disability insurance
  • No Annual Fees
  • Reward Earn Rate: 5% cashback on utilities and dining (max Rs. 50 cashback/month for each category)
  • Perks: 8 free visits/year across 30+ domestic airport lounges in 11 cities; 4 free/visits year across 500+ international airport lounges in 300 cities; loss of life and permanent disability insurance

Best Secured Credit Card for Dining Rewards: BOB Financial Prime Credit Card

Consider this if you have poor or limited credit history

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The BOB Financial Prime Card will provide the best cashback value among credit cards against fixed deposit, meant for people with nonexistent, limited or poor credit history. There is a Rs. 15,000 deposit required, which is the lowest of secured credit cards, but there is no annual fee. You'll earn 1% value back on all spend, including dining, which is excellent among secured cards (4 points per Rs. 100 spent, 4 points = Rs. 1). Get the BOB Financial Prime Card to give you good return on your dining spend while you need a secured credit card.

  • Minimum Fixed Deposit: Rs. 15,000
  • No Fees
  • Reward Earn Rate: 4 Reward Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Minimum Fixed Deposit: Rs. 15,000
  • No Fees
  • Reward Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month

Best Credit Cards for online food delivery

These are the cards that rank as the best overall points and cashback cards for online food delivery in our review. If you find yourself frequently ordering delivery food online, these cards might be worth considering.

Best Points Card for Online Food Delivery - SBI Card Prime

Consider this if you are looking for a points card with great number of perks to use for dining, especially on Big Basket

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Sign-Up Bonus of e-voucher ₹ 3,000 on either Bata/Hush Puppies, Shoppers Stop, or Yatra and ₹ 500 Pizza Hut voucher
  • Anniversary Bonus: E-voucher worth ₹ 7,000 from on achieving annual spends of ₹ 500,000

The SBI Card PRIME is a great rewards card that earns great rates on many spending categories. SBI Card Prime offers 5x rewards points for dining, groceries, department stores, and movies, 7.5x in points per Rs. 100 on Big Basket (online food delivery and groceries) and 10x on utilities capping at 3,000 reward points per month.

SBI Card Prime also offers an Rs. 3,000 e-voucher as a sign-up bonus that can be used at merchants such as Bata/Hush Puppies, Pantaloons, Shoppers Stop, and Yatra. The card also has many perks that are listed below.

Read Our Review

  • Joining Fee: 2,999
  • Annual Fee: 2,999 (Waived if annual spending exceeds Rs. 300,000)
  • Reward Earn Rate: 2 points per Rs. 100 on all general spending; 10 points per Rs. 100 on dining, groceries, department stores, and movies; 15 points per Rs. 100 on Big Basket; 20 points per Rs. 100 on utility spending (capped at 3,000 points per month)
  • Dining: Pizza Hut e-voucher of Rs. 1,000 after spending Rs. 50,000 within 3 months from issuance
  • Retail: E-Gift Voucher worth Rs. 7,000 from Yatra.com or Pantaloons after spending Rs. 5 lakh for the year
  • Air Travel: 8 complimentary visits per year to Domestic VISA/Mastercard airport lounges in India (max. 2 visits per quarter) and is only offered to primary cardholders (Trident, Vistara and Lounge Access is specifically for primary cardholders), 15% off on luxury Airport Transfer Service
  • Birthday Benefits: 20 Reward Points per Rs. 100 spent on cardholders birthday
  • Joining Fee: 2,999
  • Annual Fee: 2,999 (Waived if annual spending exceeds Rs. 300,000)
  • Reward Earn Rate: 2 points per Rs. 100 on all general spending; 10 points per Rs. 100 on dining, groceries, department stores, and movies; 15 points per Rs. 100 on Big Basket; 20 points per Rs. 100 on utility spending (capped at 3,000 points per month)
  • Dining: Pizza Hut e-voucher of Rs. 1,000 after spending Rs. 50,000 within 3 months from issuance
  • Retail: E-Gift Voucher worth Rs. 7,000 from Yatra.com or Pantaloons after spending Rs. 5 lakh for the year
  • Air Travel: 8 complimentary visits per year to Domestic VISA/Mastercard airport lounges in India (max. 2 visits per quarter) and is only offered to primary cardholders (Trident, Vistara and Lounge Access is specifically for primary cardholders), 15% off on luxury Airport Transfer Service
  • Birthday Benefits: 20 Reward Points per Rs. 100 spent on cardholders birthday

Best Cashback Card Online Food Delivery: SimplyCLICK SBI Card

Consider this if you love ordering food for delivery

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Sign-up bonus of ₹ 500 Amazon.in gift card
  • ₹ 2,000 Cleartrip voucher each on annual online spend of ₹ 100,000 and ₹ 200,000 per year

The SimplyCLICK SBI Card offers 5x (1.25% rewards rate) points on all online deliveries outside of the partnered retailers listed, including online deliveries. As for partnered retailers it offers 10x rewards (2.50% rupee rewards rate - 10 points/Rs. 100 spent; 4 points = Rs. 1) , these retailers are Cleartrip (travel), Amazon (shopping & groceries) and BookMyShow (movies), as well as on Lenskart and UrbanClap. This card works well for individuals who want great value back on online spending, travel, shopping, online grocery orders and movies.

Read Our Review

  • Annual Fee: Rs. 499 (after first year waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 10 points/Rs. 100 on Amazon, Cleartrip, BookMyShow, Lenskart, UrbanClap; 5 points/Rs. 100 on other online spend; 1 point/Rs. 100 on all other spends
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max waived Rs. 100/month)
  • Annual Fee: Rs. 499 (after first year waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 10 points/Rs. 100 on Amazon, Cleartrip, BookMyShow, Lenskart, UrbanClap; 5 points/Rs. 100 on other online spend; 1 point/Rs. 100 on all other spends
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max waived Rs. 100/month)

Best Credit Cards for Wealthy Diners

Depending on your specific spending habits and annual income, we've recommended two dining credit cards for wealthy individuals. To get the maximum benefit of these cards it is imperative that the cardholder will use these cards enough to surpass certain spend thresholds.

High Overall Spending Card: Kotak Delight Platinum Card

Consider this if you spend at least Rs. 10,000 per month on categories other than dining and entertainment

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses
  • Anniversary Bonus: Spend ₹ 125,000 every 6 months and get ₹ 750 cashback or 4 free PVR tickets

The Kotak Delight Platinum Card gives the highest return on your dining spend in the market. You must be a relatively high spender, as you're required to charge Rs. 10,000 each month on categories other than dining and entertainment to earn rewards. If you do, you'll receive best-in-market 10% cashback on both dining and movies spend (max Rs. 4,000 per transaction, max Rs. 600 cashback per month). No rewards are earned on other transactions, but there is a nice anniversary bonus of Rs. 750 (or 4 free PVR tickets) upon spend of at least Rs. 125,000 each month. In all, if you're a high spender and particularly spend a lot on dining and movies, this may be the card for you.

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  • Joining Fee: Rs. 1,999
  • Annual Fee: Rs. 299
  • Reward Earn Rate: Spend a minimum of Rs. 10,000 monthly on categories other than dining and entertainment and earn 10% cashback on dining (stand-alone outlets) and movies (max transaction Rs. 4,000, max Rs. 600 cashback/month)
  • Fuel Surcharge Waiver: Transactions Rs. 400-4000 (max Rs. 4,500 waived/year)
  • Joining Fee: Rs. 1,999
  • Annual Fee: Rs. 299
  • Reward Earn Rate: Spend a minimum of Rs. 10,000 monthly on categories other than dining and entertainment and earn 10% cashback on dining (stand-alone outlets) and movies (max transaction Rs. 4,000, max Rs. 600 cashback/month)
  • Fuel Surcharge Waiver: Transactions Rs. 400-4000 (max Rs. 4,500 waived/year)

High Dining Specific Spending Card: Kotak Feast Gold Card

Consider this if your annual income exceeds Rs. 300,000 and you charge at least Rs. 5,000 per month on your credit card

Age Requirement 21-65
Annual Income Requirement Rs. 300,000 & salaried

The Kotak Feast Gold Card provides the highest return on dining spend as long as you spend Rs. 5,000 per month overall. If you do, you'll receive best-in-market 10% value back (10 points per Rs. 100 spent; 1 point = Rs. 1) on dining and movies (max transaction of Rs. 4,000 and max 600 points per month). Rewards are limited to the first five dining and movie transactions per month, so the 10% value back will be pushed down if you exceed five transactions per month. Be mindful of the Rs. 300,000 income requirement, location restrictions and that the card does not earn rewards on non-dining/movie spend. If these criteria are not limiting for you, this can be a great dining card.

  • Annual Fee: Rs. 499
  • Eligible Locations: Ahmedabad, Bangalore, Chennai, Delhi (incl. Gurgaon & Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai & Pune
  • Reward Earn Rate: On total spend of Rs. 5,000/month, earn 10 Dining Points/Rs. 100 spent on dining (stand-alone outlets) and movies (first 5 dining & movie transactions per month, max 600 points/month, max Rs. 4,000/transaction)
  • Point Value: 1 point = Rs. 1
  • Annual Fee: Rs. 499
  • Eligible Locations: Ahmedabad, Bangalore, Chennai, Delhi (incl. Gurgaon & Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai & Pune
  • Reward Earn Rate: On total spend of Rs. 5,000/month, earn 10 Dining Points/Rs. 100 spent on dining (stand-alone outlets) and movies (first 5 dining & movie transactions per month, max 600 points/month, max Rs. 4,000/transaction)
  • Point Value: 1 point = Rs. 1

Best Miles Cards

The three cards in under the best miles cards are great options that each fit different cardholder needs. Based on your preferences for card benefits, fees and airlines there may be a card that stands out to you.

Best Dining Card for Air India Miles - Air India SBI Signature

Consider this if you are looking for a card that will offer you a top rewards rate on dining and travel bookings

Age Requirement 21-60
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)

The Air India SBI Signature Card is a great card for individuals looking for a primary card with great earnings in all spending categories. The SBI card performs very well in all spending categories, including dining, with a rewards rate of 1.8% (4 points on Rs. 100 spends, 1 Reward Point = 1 Airline Mile = Rs. .45). Moreover, the Air India SBI Signature Card earns a great 13.5% rewards rate (30 points per Rs. 100 spent) travel bookings via Air India, the highest within the travel booking category.

Something to note about the Air India SBI Signature Card is that it has a relatively high fee of $4,999, fortunately the fee is offset by the largest sign-up bonus available in our review, 20,000 points (Rs. 9,000).

Additionally, the greater the annual spending the greater the rewards as they surpass certain spending thresholds. For example, by spending Rs. 2,000,000 cardholders receive 50,000 points, by spending Rs. 1,000,000 cardholders receive an additional 30,000 and by spending Rs. 500,000 cardholders receive 20,000 more points. It can be concluded that this card is best for big spenders looking for a great primary card.

Read Our Review

  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 30 points per Rs. 100 spent on travel bookings
  • Air Travel: International airport lounge access to over 600 airport lounges with the complimentary Priority Pass Program, complimentary Visa Lounge Access Program in India at major domestic airports, as well as 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle)
  • Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 30 points per Rs. 100 spent on travel bookings
  • Air Travel: International Airport Luxury Lounge Access to over 600 airport lounges with the complimentary Priority Pass Program, complimentary Visa Lounge Access Program in India at major domestic airports, as well as 8 complimentary visits per year to Domestic VISA airport lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle)
  • Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45

Best Dining Card for Jet Airways Miles: Jet Airways Voyage American Express

Consider this if you are looking for a dining card and tend to fly with Jet Airways

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The Jet Airways Indusind Bank Voyage American Express Card is a great miles alternative that offers high rates across all categories. The rates differ with this card on weekends and weekdays; for example, cardholders earn a weekend rewards rate of 1.8% (4 points per Rs. 100, 1 JPMile = Rs. 0.45) and weekday rewards rate of 1.35% (3 points per Rs. 100, 1 JPMile = Rs. 0.45) on all spending categories, including dining. Furthermore, the elevated travel bookings rate for Jet Airways also varies with a weekend rewards rate of 3.6% (8 points per Rs. 100, 1 JPMile = Rs. 0.45) and a weekday rewards rate of 2.7% (6 points per Rs. 100, 1 JPMile = Rs. 0.45).

Another positive about this card is the relatively low-fee of Rs. 2,000 it comes with when compared to other miles cards within the top tier rewards rate category. Other perks include the American Express Travel Club Lounge Access where cardholders receive 8 lounge passes across India per year. Jet Airways Voyage American Express can be a great fit for anyone looking for a card to use on weekends and prefers to fly Jet Airways.

  • Annual Fee: Rs. 2,000
  • Reward Earn Rate: On weekdays 3 points per Rs. 100 on all spends, on weekends 4 points per Rs. 100 on all spends, on weekdays 6 points per Rs. 100 spent on Jet Airways travel bookings, on weekends 8 points per Rs. 100 on Jet Airways travel bookings.
  • Estimated Point Value: 1 reward point = 1 Jet Privilege Mile = Rs. 0.45
  • Movies: Buy one get one free deal and one free ticket a month with BookMyShow and buy one get one free deal plus two free tickets per month with Sathyam Cinemas (Chennai Only)
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of worth Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle).
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay.
  • Annual Fee: Rs. 2,000
  • Reward Earn Rate: On weekdays 3 points per Rs. 100 on all spends, on weekends 4 points per Rs. 100 on all spends, on weekdays 6 points per Rs. 100 spent on Jet Airways travel bookings, on weekends 8 points per Rs. 100 on Jet Airways travel bookings.
  • Estimated Point Value: 1 reward point = 1 Jet Privilege Mile = Rs. 0.45
  • Movies: Buy one get one free deal and one free ticket a month with BookMyShow and buy one get one free deal plus two free tickets per month with Sathyam Cinemas (Chennai Only)
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of worth Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle).
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay.

Best Low-Fee Miles Card: HDFC Bank Diners Club Miles Card

Consider this if you are looking for a low-fee miles card that offers great rewards on dining and other spending categories

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement Rs. 360,000
Bonuses & Promotions
  • Signing Bonus: 1,000 points (₹ 500)
  • Renewal Benefit: 1,000 points (₹ 500)—if the fee is not waived

The HDFC Bank Diners Club Miles Card is a great low-fee option for those looking for a good miles card with solid earnings. The card earns an above average 1.33% (4 points per Rs. 150 spent, 1 point = 1 Air Mile = Rs. 0.5) on all spending categories, including dining. While this is not the best rate available, the card has a low-fee of Rs. 1,000 that can be waived after the first year. Additionally, the card comes with a signing bonus and annual renewal benefit of 1,000 points (Rs. 500). As a result, this card is a great option for those looking to acquire a low-fee miles card with good rewards across all spending categories, including dining.

  • Annual Fee: Rs. 1,000 (waivable with annual spends of Rs. 100,000 after first year)
  • Reward Earn Rate: 4 points per Rs. 150 on all spending categories
  • Estimated Point Value: 1 reward point = 1 Air Mile = Rs. 0.5
  • Dining: Up to 15% discount on partnered restaurants and dining services
  • Travel Perks: Up to 6 lounge access at over 700 lounges worldwide per year
  • Annual Fee: Rs. 1,000 (waivable with annual spends of Rs. 100,000 after first year)
  • Reward Earn Rate: 4 points per Rs. 150 on all spending categories
  • Estimated Point Value: 1 reward point = 1 Air Mile = Rs. 0.5
  • Dining: Up to 15% discount on partnered restaurants and dining services
  • Travel Perks: Up to 6 lounge access at over 700 lounges worldwide per year

Best Credit Card for Weekend Dining and Entertainment: Iconia American Express Credit Card

Consider this if you like to eat out a lot on the weekends

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The Indusind Bank Iconia American Express Credit Card is a great credit card to use on weekends as it offers an elevated set of rates. On weekends the rates increase from 1.5 points per Rs. 100 spent to 2 points per Rs. 100 spent on all spending categories, including dining. An earning rewards rate of 2% in all categories (2 points per Rs. 100, 1 point = Rs. 1) makes this a competitive card if a potential card holder already has a primary card. This will add great value to people looking for a weekend card to use as the enjoy their days off.

Read Our Review

  • Joining Fee: Rs. 3,500 (No annual fee after the joining fee)
  • Reward Rates: 1.5 points per Rs. 100 spent on weekday spending on all categories and 2 points per Rs. 100 spent on weekend spends on all spending categories
  • Travel: Iconia Amex offers 2 priority pass memberships with a USD $198 benefit, Amex lounge access across India, offers travel plus which allows for 8 lounge visits per year, lost baggage insurance up to Rs. 100,000, delayed baggage Rs. 25,000, loss of passport Rs. 50,000, lost ticket insured for Rs. 25,000, missed connection flights up to Rs. 25,000
  • Movies: Buy one movie ticket and get the second one absolutely free with two free tickets a month with BookMyShow, buy one movie ticket and get the other absolutely free as well as two free tickets a month at Sathyam Cinemas (in Chennai only)
  • Waivers: Waiver of 1% on fuel surcharge at any fuel station in India (waived for transactions between `400 – Rs. 4000)
  • Other Perks: Interest free period of up to 50 day (Interest-free period is not applicable if the total amount is not fully paid off)
  • Joining Fee: Rs. 3,500 (No annual fee after the joining fee)
  • Reward Rates: 1.5 points per Rs. 100 spent on weekday spending on all categories and 2 points per Rs. 100 spent on weekend spends on all spending categories
  • Travel: Iconia Amex offers 2 priority pass memberships with a USD $198 benefit, Amex airport lounge access across India, offers travel plus which allows for 8 airport lounge visits per year, lost baggage insurance up to Rs. 100,000, delayed baggage Rs. 25,000, loss of passport Rs. 50,000, lost ticket insured for Rs. 25,000, missed connection flights up to Rs. 25,000
  • Movies: Buy one movie ticket and get the second one absolutely free with two free tickets a month with BookMyShow, buy one movie ticket and get the other absolutely free as well as two free tickets a month at Sathyam Cinemas (in Chennai only)
  • Waivers: Waiver of 1% on fuel surcharge at any fuel station in India (waived for transactions between `400 – Rs. 4000)
  • Other Perks: Interest free period of up to 50 day (Interest-free period is not applicable if the total amount is not fully paid off)
Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.