Credit Card USP &

Benchmarking

August 12, 2024 For Internal Circulation Only

Various Card Offerings : Customer Segments
Global Private
Premium
Clients
Lifestyle
ICICI Bank Strategic Segment

Wealth/Wealth Select
Clients Premium Consumer
Lifestyle
Travel ecosystem

Privilege/ Value
Banking Clients
Travel Fuel Rewards Lifestyle
Sports

Defence

Mass Banking

Basic Transaction Card Fuel Personalize Travel Shopping

For Internal Circulation Only

Emeralde Private Metal(Invite only Card)

Welcome/Annual Benefit*
Card USPs • One time Welcome Benefit Complimentary Taj Epicure Membership
worth ₹25,000 (with 1night stay)
• EazyDiner Prime Membership worth ₹2,500
• 12500 reward points as joining and annual bonus (for full fee)

• 6 Reward Points for every ₹200 spent(Value – Upto ₹1)

• 2 EaseMyTrip vouchers on 8 Lac spends/year (max value - ₹6000)
• Refund of up to ₹12,000. Maximum of 2 transactions/ year

• JF/AF: ₹12,499+GST/12,499+GST
• Annual fee reversal on the spends
of ₹ 10,00,000 in the previous year • Unlimited International & Domestic Airport lounge visit &
Golf for Primary & Add-on Card holder
• Up to ₹750 off on the second ticket up to 2 times a month
through BookMyShow
Industry
Benchmarking
T&C apply 5
*On payment of joining fee For Internal Circulation Only
12-Aug-24
Emeralde
• No Cancellation charges on Domestic Flight/Hotel & Movie, Refund of up
to ₹12,000*.
Card USPs • Air Accident ₹ 3 Crore
• Nominal mark-up fee of 1.5% on International transactions
• No over limit fee, No cash withdrawal fee, No late payment fee

• 4RP on every ₹100 spent on Retail

• 1RP on every ₹100 spent on Utility& Insurance

• JF/AF: ₹12,000+GST/12,000+GST
• Shopping voucher worth ₹ 5000 from Tata CLiQ as a Birthday Benefit every
• Annual fee reversal on the spends year (AmEx Card holder/s only)
of ₹ 15,00,000 in the previous year
• BOGO up to ₹750 off on the second ticket four times a month
• Enjoy Unlimited Complimentary visit to Domestic & International Airport
lounges and 4 Complimentary rounds of Golf every month basis spends*
Industry
Benchmarking
T&C apply 4
For Internal Circulation Only
Sapphiro

Welcome Vouchers worth ₹9000+ (Tata Cliq, Uber, EaseMyTrip,

Card USPs Tata Croma)*

• 4RP on every ₹100 spent on International transactions

• 2RP on every ₹100 spent on Domestic transactions
• 1RP on every ₹100 spent on Utility& Insurance

• JF/AF: ₹ 6,500+GST/3,500+GST
• 4 Complimentary Domestic Airport lounge visit per quarter & 2
• Annual fee reversal on the spends International Airport lounge visit per calendar year
of ₹ 6,00,000 in the previous year
• 4 Complimentary rounds of Golf per month
• Upto ₹500 off on the second ticket on BookMyShow (twice a month)
Industry
Benchmarking
T&C apply 5
*On payment of joining fee For Internal Circulation Only
Rubyx

Welcome Vouchers worth ₹5000+ (Tata Cliq, Uber, EaseMyTrip, Tata

Card USPs Croma)*

• 4RP on every ₹100 spent on International transactions

• 2RP on every ₹100 spent on Domestic transactions
• 1RP on every ₹100 spent on Utility& Insurance

• JF/AF: ₹ 3,000+GST/2,000+GST
• 2 Complimentary Domestic Airport & Railway lounge visit per quarter
• Annual fee reversal on the spends
of ₹ 3,00,000 in the previous year • 2 Complimentary rounds of Golf (get one round on spend of every ₹50,000 in
previous month)
• 25% off upto ₹150 on BookMyShow and Inox on purchase of 2 movie tickets
Industry
Benchmarking
T&C apply 6
*On payment of joining fee For Internal Circulation Only
Coral

• Milestone reward points of up to 10,000 on spends of ₹

Card USPs 10,00,000/-
• 2 RP on ₹100 spent on Retail except Fuel & 1 RP on ₹100
spent on Utilities & Insurance

25% off upto ₹100 on BookMyShow and Inox on

purchase of 2 movie tickets

• JF/AF: ₹ 500+GST/500+GST
• Annual fee reversal on the spends
of ₹ 1,50,000 in the previous year
1 Complimentary Domestic Airport & Railway lounge visit
per quarter
Industry
Benchmarking
T&C apply 7
For Internal Circulation Only
Platinum

Card USPs
No Joining Fees/ Annual Fees

• 2 RP on ₹100 spent on Retail except Fuel

• 1 RP on ₹100 spent on Utilities & Insurance

• JF/AF: NIL
1% Fuel surcharge waiver on Fuel purchase at HPCL outlets

T&C apply 8
For Internal Circulation Only
12-Aug-24
Secured Coral

Card USPs
Upto 90% Credit Limit against Fixed Deposit

25% off upto ₹100 on BookMyShow and Inox on

purchase of 2 movie tickets

• JF/AF: ₹ 500+GST/500+GST
• Annual fee reversal on the spends
of ₹ 1,50,000 in the previous year 1 Complimentary Domestic Airport and Railway lounge visit
per quarter

Industry
Benchmarking
T&C apply 9
For Internal Circulation Only
12-Aug-24
Secured Platinum

Card USPs Up to 90% credit limit against Fixed Deposit

2 RP on ₹100 spent on Retail except Fuel

• JF/AF: NIL
25% off upto ₹100 on BookMyShow and Inox on purchase of
2 movie tickets
Industry
Benchmarking
T&C apply 10
For Internal Circulation Only
12-Aug-24
Expressions

Card USPs Personalize the card with the ICICI Bank Expressions Credit Card,
from your personal gallery or 175+ preinstalled gallery images

3 RP on ₹100 spent on Retail except Fuel

• JF/AF: ₹ 499+GST/499+GST

1 Complimentary Domestic Airport lounge visit per quarter

Industry
Benchmarking
T&C apply 11
For Internal Circulation Only
Parakram Select

• 4th line embossing with Service name i.e. Indian Army, Indian
Card USPs Airforce, CRPF, ITBP, etc.
• Earn 10 RP on every ₹100 spent on Grocery, Department
stores and CSDs(upto 400 points per month)

• Personal Accident Insurance of ₹2 Lakhs

• Air Accident Cover of ₹20 Lakhs

• JF/AF: NIL
• Complimentary 1 round of Golf access on every spends of
₹50,000/- (Max 4 in a year)
• 2 Complimentary Domestic Airport lounge visit, per
quarter & 2 International lounge visit, per year Industry
Benchmarking
T&C apply 12
For Internal Circulation Only
Parakram

• 4th line embossing with Service name i.e. Indian Army, Indian
Card USPs Airforce, CRPF, ITBP, etc.
• Earn 5 RP on every ₹100 spent on Grocery, Department stores
and CSDs(upto 400 points per month)

• Personal Accident Insurance of ₹2 Lakhs

• Air Accident Cover of ₹20 Lakhs

• JF/AF: NIL

1 Complimentary Domestic Airport lounge visit, per quarter

Industry
Benchmarking
T&C apply 13
For Internal Circulation Only
Emirates Emeralde

Card USPs • Welcome Benefits Complimentary Silver Tier membership &

10,000 Bonus Miles*
• Complimentary Gold Tier upon achieving milestone

• Upto2.5 Miles on ₹100 spent

• No Capping on Rewards

• JF/AF: ₹ 10,000+GST/10,000+GST

• Unlimited Domestic & International Airport lounge

• Buy 1 ticket and get upto ₹750 off on the second ticket
Industry
Benchmarking
T&C apply 14
*On payment of joining fee For Internal Circulation Only
Emirates Sapphiro

• Welcome Benefits Complimentary Silver Tier membership &

Card USPs 5000 Bonus Miles*
• Retention of Silver Tier upon achieving milestone

• Upto 2 Miles on ₹100 spent

• No Capping on Rewards

• JF/AF: ₹ 5,000+GST/5,000+GST
• 2 Domestic Airport lounge per quarter
• 2 International Airport lounge per year
• Buy 1 ticket and get upto ₹500 off on the second ticket
Industry
Benchmarking
T&C apply 15
*On payment of joining fee For Internal Circulation Only
Emirates Rubyx

Card USPs Welcome Benefits Complimentary Blue Tier membership*

• Upto 1.5 Miles on ₹100 spent

• No Capping on Rewards

• JF/AF: ₹ 1,000+GST/1,000+GST

1 Domestic Airport lounge per quarter

Industry
Benchmarking
T&C apply 16
*On payment of joining fee For Internal Circulation Only
Adani One Signature
• Flight Voucher worth ₹5,000/- on spending of ₹25,000 within
first 60 days of card activation and payment of joining fee
Card USPs • Hotel Voucher worth ₹2,000/- on card activation
• Holiday Voucher worth ₹2,000/- on card activation

Accelerated Rewards Points (7 Adani Reward

Points per ₹100 spent) on Adani Ecosystem

• 4 upgrade to premium Domestic Airport lounges per quarter

• JF/AF: ₹ 5,000+GST/5,000+GST • 4 Premium & 4 Valet Car Parking per year
• Annual fee reversal on the spends • 8 Porter services per year -2 at every ₹1 lakh spends up to ₹4 lakh
of ₹ 6,00,000 in the previous year • 2 Pranaam services per year - 1 on card activation and 1 on
spends of ₹3 lakh
Industry
Benchmarking
T&C apply 17
For Internal Circulation Only
Adani One Platinum
• Flight Voucher worth ₹2,000/- on spending of ₹10,000 within first 60
days of card activation and payment of joining fee
Card USPs • Hotel Voucher worth ₹1,000/- on card activation
• Holiday Voucher worth ₹2,000/-on card activation

Accelerated Rewards Points (3 Adani Reward Points per

₹ 100 spent) on Adani Ecosystem

• JF/AF: ₹ 750+GST/750+GST • 2 upgrade to premium Domestic Airport lounges per quarter

• Annual fee reversal on the spends • 2 Premium & 2 Valet Car Parking per year
of ₹ 3,00,000 in the previous year • 4 Porter services per year -2 at every ₹1 lakh spends up to ₹2 lakh
Industry
Benchmarking
T&C apply 18
For Internal Circulation Only
MakeMyTrip Signature

Welcome benefits*
Card USPs • 1,500 Mycash
• Complimentary MMTBLACK Platinum membership
• MMT Holiday voucher worth ₹2,500

• Earn upto 2 mycash on every ₹100 spent on the

MMT cards
• Earn up to 5100 Mycash as milestone benefits*

• JF/AF: ₹ 2,500+GST/NIL • 2 Domestic Airport lounge per quarter

• 1 International Airport lounge per year
• 1 Railway lounge per quarter
• 25% off upto ₹150 on BookMyShow and Inox twice a month Industry
Benchmarking
T&C apply 19
*On payment of joining fee For Internal Circulation Only
MakeMyTrip Platinum

Card USPs Welcome benefits*

• 500 Mycash
• MMT Holiday voucher worth ₹3,000

• Earn upto 1.5 mycash on every ₹100 spent on

the MMT cards
• Earn up to 2,000 Mycash as milestone benefits*

• JF/AF: ₹ 500+GST/NIL
• 1 Domestic Airport & Railway lounge per quarter
• 25% off upto ₹100 on BookMyShow and Inox twice a
month
Industry
Benchmarking
T&C apply 20
*On payment of joining fee For Internal Circulation Only
Manchester United Signature

Card USPs • Branded Holdall and Football as Welcome Benefit *

• Get a chance to visit “Old Trafford”
• Branded Merchandise for monthly top spenders

Up to 5 ICICI Bank Reward Points/₹100 spent

• JF/AF: ₹ 2,499+GST/2,499+GST
• Annual fee reversal on the spends
of ₹ 2,50,000 in the previous year
• 2 Complimentary Domestic Airport lounge visit per
quarter
• 25% off upto ₹150 on BookMyShow and Inox twice a
month

T&C apply 21
*On payment of joining fee For Internal Circulation Only
Manchester United Platinum

• Branded Football as Welcome Benefit*

Card USPs • Get a chance to visit “Old Trafford”
• Branded Merchandise for monthly top spenders

Up to 3 ICICI Bank Reward Points/₹100 spent

• JF/AF: ₹ 499+GST/499+GST
• Annual fee reversal on the spends
of ₹ 1,25,000 in the previous year • 1 Complimentary Domestic Airport lounge visit per
quarter
• 25% off upto ₹100 on BookMyShow and Inox twice a
month
Industry
Benchmarking
T&C apply 22
*On payment of joining fee For Internal Circulation Only
Chennai Super Kings

• Welcome benefits of 2000 Reward Points on payment of joining fee &

Card USPs spending minimum of ₹5000 within the first 45 days of card issuance*
• Meet & Greet, IPL Tickets for CSK home matches, Signed Merchandise
for monthly top spenders

• Earn up to 2 ICICI Bank Reward Points on all

retail spends (except fuel)
• Earn 10 ICICI Bank Reward Points spent on all
CSK match days

• JF/AF: ₹ 500+GST/500+GST
• Annual fee reversal on the spends • 1 Complimentary Domestic Airport lounge visit per
of ₹ 1,50,000 in the previous year
quarter
• 25% off upto ₹100 on BookMyShow and Inox twice a
month
Industry
Benchmarking
T&C apply 23
*On payment of joining fee For Internal Circulation Only
HPCL Super Saver

• Welcome benefits of 2000 Reward Points on payment of joining

Card USPs fee & spending =>₹5000 within 45 days of card issuance*
• One-time welcome cashback in HP Pay wallet on doing the first
transaction of ₹1000 or more

• Save up to 5% on Fuel spends at HPCL Outlets

(1.5% additional in loyalty points using HP Pay
app)
• Complimentary RSA services

• JF/AF: ₹ 500+GST/500+GST • 25% off on movie ticket booking, up to ₹100 on BMS and
• Annual fee reversal on the spends INOX, twice per month on each
of ₹ 1,50,000 in the previous year
• 1 Complimentary Domestic Airport lounge visit per
quarter Industry
Benchmarking
T&C apply 24
*On payment of joining fee For Internal Circulation Only
HPCL Coral

Card USPs
2.5% cashback and 1% surcharge waiver on fuel purchase at
HPCL Outlets

25% off up to `100 on BookMyShow, twice a month

• JF/AF: ₹ 199+GST/199+GST
• Annual fee reversal on the spends
of ₹ 50,000 in the previous year
2 RP on every ₹100 spent on Retail purchases except Fuel

Industry
Benchmarking
T&C apply 25
For Internal Circulation Only
Benchmarking

August 12, 2024 For Internal Circulation Only

Benchmarking: Emeralde Private Metal
ICICI Emeralde Axis Magnus Amex Platinum
HDFC Infinia Metal
Private Metal Reserve

• JF: ₹12,500+GST • JF: ₹12,500+GST

• JF: ₹12,500+GST • JF: ₹5000+GST
• AF: ₹12,500+GST • AF: ₹12,500+GST
Segment
JF/AF • AF: ₹12,500+GST
• Waiver: ₹10 Lakh Annual • Waiver: ₹25 Lakhs Annual
• AF: ₹10,000+GST
• Waiver: ₹10 Lakh Annual Spends • Waiver : Not Disclosed
Spends Spends

• 12,500 Reward Points • 12,500 Reward Points • Choose from Luxe Gift
Welcome • Easy Diner Prime Membership • ITC Membership Club Card/The Postcard Hotels
• Taj Epicure Membership
• EasyDiner Prime Membership
Benefit • Taj Epicure Plus Membership (for • Marriott Membership Gift Voucher/Yatra Gift
• Taj stay voucher
1st year only) voucher worth ₹12,500

Domestic: Unlimited Domestic:: Unlimited Domestic:: Unlimited Domestic: 3/qtr

Lounge International: Unlimited International: Unlimited International: Unlimited International: Unlimited

Entertainment e-vouchers worth ₹

Get upto ₹750 off on the 2nd
Movie Ticket (BookMyShow)
Nil Nil 500/month on monthly spend of ₹
25,000

Golf Unlimited Unlimited Nil 2/ month

Reward 6 Reward Points on ₹200/- spends

5 Reward Points on ₹ .150/- 12 Reward Points on ₹ . 200
2 Reward Points on ₹ . 100/ spends
spends spends
RateRate
Reward Value – ₹1
Value – ₹0.3 Value - ₹0.2
Value - ₹0.4

Milestone 2 EaseMyTrip vouchers worth ₹ . Taj Stay Voucher worth

3000 each on 1st spends of 4 lacs Nil Nil ₹1000 (spends of 5 lac/year and AF
Benefits and consecutive spends of 4 lacs payment)

Forex
2% 2% 3.5%
Markup 2%

CFAR Refund of ₹ . 12,000 on Cancellation Nil Nil Nil

27
For Internal Circulation Only
Benchmarking: Emeralde
ICICI HDFC
Axis Magnus SBI Aurum
Emeralde Dinners Black
₹. 12000+GST(Y)
₹. 10,000+GST ₹. 12,500+GST ₹. 9,999+GST
JF/ AF ₹. 1000+GST(M)
Reversal: 5,00,000 Reversal: 25,00,000 Reversal:12,00,000
Reversall:15,00,000

Club Marriott, Times

Segment •
RP 40000 on pay.
Welcome Benefit GV: ₹ 5,000(AmEx) Prime GV: 12500
• Amazon Prime,MMT

Domestic: Unlimited. Domestic: 4/Qtr.

Income Eligibility
Lounge
Domestic: Unlimited Domestic: Unlimited
. Unlimited International: Unlimited International:
International: Unlimited International: Airport pickup Unlimited

BOGO
Movie (Upto ` 750)
Nil Nil Bogo 250 (4 Times/m)

Golf 12 rounds/Qtr 6 rounds/ Qtr Nil 4 rounds/Qtr

Dining Nil 2X Reward Points Upto 30% Nil

International: 4% International: 4%
Reward Rate Domestic: 4%
International: 3%
Domestic: 3%
International
& Domestic 6%
Domestic: 4%
Utility/ insurance: 0.25% Utility/ insurance: 0.25%

Insurance (CFAR, Air Air Accident 2 Crore Purchase Pro. 2 lakhs

12,000, 3 Crore Nil
Accident)
28
For Internal Circulation Only
Benchmarking: Sapphiro
ICICI Sapphiro Axis Atlas SBI Elite Kotak White

₹6,500/ ₹3,500+GST ₹5,000/ ₹3,500+GST

₹3,000 +GST
JF/AF
Segment (Waived on spends of ₹6L)
₹5,000+GST (Waived on spends of ₹10L)
(waived on spends of ₹5L)

Welcome benefit GV: ₹9,500 (EMT, Uber, Tata Cliq, 2,500 Edge Miles • GV: ₹5,000
White pass with ₹1,500 on
Income Eligibility Croma) 1 EM= Re. 1 • Club Vistara Silver
spends of ₹30k within 60
days of card set up

Lounge Domestic: 16 p.a.

Domestic: 8 p.a.
Domestic: 8 p.a. Domestic: 8 p.a.
International: 4 p.a.
International: 2 p.a. International: 6 p.a. International: 4 p.a.
Airport pickup

BOGO Upto ₹250 off, twice a

Movie (Upto ₹500 twice a month)
Nil
month
NIL

4 rounds/ month( 1 round each on

Nil Nil Nil
Golf ₹50,000 spends)

25% off through EazyDiner Upto 25% off @ Partner

Nil Club Marriott: 20% discount
(Cap: ₹ 800) restaurants (only Amex)
Dining
International: 1% Dining/ Dept stores/
Travel: 5%
Domestic: 0.5% Grocery: 1.75% 1% -2.25%
Reward Rate Utility/ insurance: 0.25%
Others: 2%
Others: 0.5%
2,500 EM on spends of ₹
4,000 RPs on ₹4L spends, 2,000 10,000 RPs on ₹3L & ₹ 4L,
3L, 2,500 on ₹7.5L and Max ₹ 27K on spends of
RPs on ₹ every ₹1L spent (Cap: 15,000 RPs on ₹5L & ₹8L
Milestone Benefits 20,000 RPs)
5,000 EM on ₹15L
spends (Cap: 50k RPs)
₹12L
(Cap: 10,000 EM)

Forex 3.5% 3.5% 2% 3.5%

Markup 29
For Internal Circulation Only
Benchmarking: Rubyx
ICICI HDFC Diners HDFC Regalia Axis Select SBI Prime
Rubyx Privilege Gold

₹2,500/ ₹2,500+GST ₹2,500/ ₹2,500+GST ₹3,000/ ₹3,000+GST ₹2,999/ ₹2,999+GST

₹3,000/ ₹2,000+GST
(Waived on spends of ₹3L) (Waived on spends of ₹4L) (Waived on spends of (Waived on spends of ₹3L)
JF/AF
Segment (Waived on spends of ₹3L)
₹6L)

Annual membership: • GV: ₹ 2,500

Swiggy One & Times • Club Vistara Silver
Welcome Benefit
Income Eligibility GV: ₹5,000 Prime(On spending ₹ • MMT Black Elite
10,000 RPs
1 RP= Re. 0.25
GV: ₹3,000
.75,000 within fi₹ t 90 days (on spending ₹ 100000)
of card issuance)

Domestic: 12 p.a.
Lounge Domestic: 2/ Qtr
Domestic: 2/ Qtr International: 6 p.a. Domestic: 2/ Qtr Domestic: 2/ Qtr
International: 2/ Qtr Lounge visit for Add-ons International: 12 p.a. International: 4 p.a.

BOGO 5X Reward Points (10

Movie 25% discount on BMS & Inox
(Upto ₹ 150)
BOGO
(Upto ₹250 twice a month)
Nil
(Upto ₹300, once a Reward Points per ₹ . 100)
month) on movie spends.

Nil
2 rounds/ month Nil 6 rounds/ year 4 rounds/ month

Golf
5X Reward Points on
Get up to 7.5% savings on
Swiggy and Zomato. 25% discount on dining
all your restaurant bill ₹200 off on Swiggy
Nil Additional 4X RP is capped bills at partner restaurants
payments via Swiggy (twice a month)
at 2500 reward points (only with AmEx variant)
Dineout
Dining every calendar month

Nyka/Myntra/Marks and
International: 1% Dining/ dept store/
Swiggy/ Zomato: 6.66% spencer: 6..66% Retail spends: 2%
Domestic: 0.5% grocery: 2.5%
Others: 1.33% Other₹ : 1.33% Other₹ : 1%
Reward Rate Utility/ insurance: 0.25% Other₹ : 0.5%

Voucher: ₹ 1,500 (spends: ₹

₹ 1,500 worth Marriott, GV: 8,000
3,000 RPs on spends of ₹ 3 150,000 per qtr) 5,000 RPs + 3 golf rounds
Decathlon & more voucher₹ on annual spends of
Milestone Benefits lacs, 1,500 RPs on 1 lac
spends
on quarterly spends of ₹
Flight voucher₹ : ₹ 5,000 on
spends of ₹ 5L & ₹ 7.5L
on annual spends of
₹300,000
₹500,000
1.5 lakh
30
Benchmarking: Coral
ICICI SBI
HDFC Millenia Axis MyZone
Coral Simply Save
₹500/ ₹500+GST ₹1,000/ ₹1,000+GST ₹499/ ₹499+GST
JF/AF (Waived on spends of (Waived on spends of
₹500/ ₹500+GST
(Waived on spends of
Segment ₹1.50L) ₹1L)
(Waiver -NA)
₹1L,only AF)

Welcome Benefit Nil GV: ₹1,000 Sony Liv Subscription 2,000 RPs
Income Eligibility
Domestic: 1/ Qtr Domestic: 1/ Qtr (on Domestic: 1/ Qtr (on
Lounge (on spends of 35k in spends of ₹ 1 Lac in spends of ₹ 50k in Nil
previous quarter) previous quarter) previous quarter)

25% discount on BMS &

Movie Inox Nil
BOGO on BMS
(Upto ₹200)
25% Discount
(Upto ₹100)
(Upto ₹100)

Golf Nil Nil Nil Nil

20% off on Swiggy 15% off under Dining

Dining Nil
Dineout Delights
Nil

Domestic & International: Cashback: Dining/ dept store/

Reward Rate 0.5% Select merchants – 5% Retail: 0.5% grocery: 1.67%
Utility/ insurance: 0.25% Other– 1% Other₹ : 0.17%

2,000 RP on ₹2 lacs spend

Milestone Benefits & 1,000 RP on ₹1 lac
spend thereafter
Nil Nil Nil

1% fuel surcharge 1% fuel surcharge 1% fuel surcharge

1% fuel surcharge waiver
Fuel Surcharge on HPCL
waiver on all fuel waiver on all fuel waiver on all fuel
stations stations stations 31
Benchmarking: Secure Platinum and Coral
ICICI Instant ICICI Secured KotakKa-ching
Kotak Dream
SBI Unnati Axis Insta Easy
Platinum Coral 6EDifferent
Rewards

Segment
Joining/ Annual Fee GV: ₹Nil
5,000 ₹ 499
GV: ₹ 5,000 Nil ₹ 499 ₹ 500

Income FD
Minimum Eligibility
Amount Domestic: 1/ Qtr
₹ 50,000 Domestic: 1/ Qtr
₹ 50,000 ₹5,000 Domestic: 1/ Qtr
₹ 25,000 ₹ 20,000

25% Discount 25% Discount

Credit Limit 90%` 100)
(Upto 90%
(Upto ` 100)
90% NA 80%

2 Reward Nil
points on 2 Reward points on 4 & 1 Reward point
Reward Rate Spends of ₹ 100 Nil
Spends of ₹ 100 on spends of ₹ 100
1 Reward point on 3 Reward point on
spends of ₹100
spends of ₹ 100
Online & Offline

₹ 500 cashback
Additional Feature NANil 1 domestic lounge
Nil visit 1000 GV on amazon on annual 15% off on Dinning
/qrt (Milestone) spends of 50000

Fuel Surcharge 1% Fuel surcharge waiver 1% Fuel surcharge waiver 1% Fuel surcharge waiver 1% Fuel surcharge waiver 1% Fuel surcharge waiver

Avail ofRefundable
25% discount
AvailRefundable
of 25% discount Refundable
Movie Benefit up toCoverage
₹100 on of
2nd
up Coverage
to ₹100NAon
of 2nd NA NA
Coverage
NA of
ticket (BMS
3500/ticketInox)
and 3500/ticket
ticket3500/ticket
(BMS and Inox)

32
For Internal Circulation Only
Benchmarking: Expressions
Kotak Ka-ching
Expressions SBI
6ESimply
Rewards HDFC Axis MyZone
Credit Card Save Moneyback

JF/AF ₹499+GST
GV: ₹ 5,000 ₹499+GST ₹499+GST ₹499+GST

Segment
Domestic: 1/ Qtr
Annual Fee Waiver Domestic: 1/ Qtr
₹1,50,000 ₹50,000
₹1,00,000 NA
Income Eligibility
25% Discount NA
Lounge 1 domestic Lounge/ Qtr*
(Upto ` 100)
NA 1 domestic Lounge/ Qtr

6.67 RP Reward
3 Reward points on 2.67 Reward point 2 Reward point on
Reward Rate Nil
Spends of ₹100
point on spends of
on spends of ₹100 spends of ₹100
₹100

Option to select Image on card Sony Liv 1 yr Subscription

500 RPs on activation
Additional Feature from i-Mobile Nil
Image Gallery 2,000 RPs on activation on activation
or personal image

Fuel Surcharge 1% Fuel surcharge waiver 1% Fuel surcharge waiver 1% Fuel surcharge waiver 1% Fuel surcharge waiver

Avail of 25% discount up to ₹ Refundable

Refundable Coverage of Coverage
Bogo Upto of
₹ 200/month
100 on 2nd3500/ticket
ticket (BMS and NA
Movie Inox)
NA 3500/ticket

33
For Internal Circulation Only
Benchmarking: Parakram Select
BOB Yoddha SBI Shaurya Axis Pride
Parakram Select
Indian Army Select Signature

JF/AF Nil Nil Nil/ ₹1,500+GST Nil/ ₹500+GST

Segment
Annual Fee Waiver NA NA ₹1,50,000 ₹40,000

Welcome Benefit 1000 points and 6 month Subscription of

Income Eligibility Nil
Fit Pass Pro
Nil Nil

Milestone Benefits Nil

12 month subscription of Amazon Prime E-vouchers of Pizzahut/yatra
Nil
on spends of ₹ . 1,00,000 in first 90days 1500 RP on renewal

10 rewards on CSD, Departmental

Accelerated Rewards stores and Groceries (Max upto 1000
10 rewards on CSD, Departmental stores 5x rewards on CSD, Departmental
Nil
and Groceries stores, Dining, Movies and Groceries
pts per month)

International Lounge 2/year Nil Nil Nil

2 2 Nil 2
Domestic Lounge
1 round on spends of ₹50,000 in a
Complimentary 4 rounds of golf per year
Golf statement cycle (max 4 rounds in a
statement cycle)
(Max 1 per quarter)
Nil Nil

2 rewards point per ₹100 2 reward points per ₹100 2 reward points per ₹100 8 EDGE points per ₹200
Reward Rate
1% fuel surcharge waiver max
1% fuel surcharge waiver max ₹250 in 1% fuel surcharge waiver max ₹250 in a 1% fuel surcharge waiver max ₹250 in ₹250 in a statement cycle
Fuel Surcharge a statement cycle (transaction value statement cycle (transaction value ₹500 a statement cycle (transaction value (transaction value ₹400 to ₹5000
₹400 to ₹4000 only) to ₹3000 only) ₹400 to ₹4000 only) only)

For Internal Circulation Only

34
Benchmarking: Parakram
Axis Pride
Parakram SBI Shaurya BOB Vickram
Platinum
JF/AF
Nil Nil Nil/ ₹1,500+GST Nil/ ₹500+GST

Annual Fee Waiver

Segment NA NA ₹1,50,000 ₹40,000

Welcome Benefit 1000 points and 6 month Subscription of

Nil Nil Nil
Income Eligibility Fit Pass Pro
4 line Embossing
th
Yes Yes Yes No

Accelerated Rewards 5x rewards on CSD, Departmental

5x rewards on CSD, Departmental stores, 5x reward points on Grocerries,
stores and Groceries (X=1,max upto NA
Dining, Movies and Groceries Dept stores and movies
1000 pts per month)

Lounge 2 2 Nil 2

₹2 lakhs Personal accident

Insurance ₹20 lakhs Air accident ₹2 lakhs Personal accident NA NA

1 reward point on every ₹100 for

Reward Rate 1 rewards point per ₹100 for domestic 1 rewards point per ₹100 for domestic 4 EDGE points per ₹200
domestic

1% fuel surcharge waiver max

1% fuel surcharge waiver max ₹250 in
1% fuel surcharge waiver max ₹250 in a 1% fuel surcharge waiver max ₹250 in ₹250 in a statement cycle
Fuel Surcharge a statement cycle (transaction value
statement cycle (transaction value ₹500 a statement cycle (transaction value (transaction value ₹400 to ₹5000
₹400 to ₹4000 only)
to ₹ 3000 only) ₹400 to ₹4000 only) only)

35
For Internal Circulation Only
Benchmarking: Emirates Emeralde
ICICI Emirates Emeralde Axis Vistara Infinite

JF/AF
Segme JF/AF : ₹10,000 / ₹10,000+GST JF/AF : ₹10,000 / ₹10,000+GST

nt

Reward Rate 2.5 Miles/100 = ₹2.05 3 CV/100 = ₹3

10000 skyward miles Get a complimentary business class ticket voucher

Welcome Benefit Complimentary silver tier membership Complimentary Club Vistara Gold Membership

Complimentary Gold Tier on total spends of ₹15 lakhs and Emirates Additional Club Vistara Points and up to 4 Business Class tickets
Milestone Benefits spends of ₹50,000 under the milestone benefits

Unlimited domestic and international lounge visit 8 domestic lounge visit per quarter/year
Lounge

Up to ₹750 off on the second ticket, up to 4 times every month through

NA
Movie BookMyShow

36
For Internal Circulation Only
Benchmarking: Emirates Sapphiro
ICICI Emirates Air India SBI Etihad Guest SBI
Axis Vistara
Sapphiro Signature Premier Credit card

JF/AF
Segme JF/AF : ₹5,000 / ₹5,000+GST JF/AF : ₹4,999/ ₹4,999+GST JF : ₹4,999 / ₹4,999+GST JF/AF : ₹3,000 / ₹3,000+GST

nt
4 Air Mile/100= ₹4.5
Reward Rate 2 Miles/100 = ₹1.64 AI Tickets for self: Upto 30 Air
2 Eithad Guest Miles (EGM) /100 2 CV (Club Vistara) Points /100 =
=₹1.4 ₹2
Mile/100 = ₹13.5

1 complimentary Premium
Complimentary Etihad Guest
5000 skyward miles Economy Class air ticket and
Welcome Benefit Complimentary silver tier membership
20,000 Reward Points Gold tier status
5000 EYG Miles
complimentary Club Vistara Silver
Membership

1,500 Etihad Guest Miles on the

Club Vistara Silver Membership,
Up to 1,00,000 bonus miles annually expenditure of ₹. 1,50,000 in a
Silver Tier Retention complimentary Premium Economy
(Spends >5L, 10L, 20L : 20k,30k,50k calendar quarter. On an annual
Milestone Benefits (On spends on ₹5 lakhs)
additional reward points) spend of ₹ 8 lakh, 1 companion
Class ticket, complimentary
domestic Airport lounge visit
voucher

8 complimentary domestic Airport 8 complimentary domestic Airport 8 complimentary domestic Airport 8 complimentary domestic Airport
lounge visit/year lounge visit/year lounge visit/year lounge visit lounge visit per
Lounge 2 complimentary international Airport Complimentary Priority Pass 4 complimentary international quarter
lounge visit year membership (visits chargeable) Airport lounge visit year

Buy one ticket and get up to ₹500 off

Movie on the second ticket, twice every month
through BookMyShow
Nil Nil Nil

37
For Internal Circulation Only
Benchmarking: Emirates Rubyx
ICICI Emirates Air India SBI Axis Vistara HDFC Indigo 6E
Rubyx Platinum XL

JF/AF
Segme JF/AF : ₹1,000 / ₹1,000+GST JF/AF : ₹1,499/ ₹1,499+GST JF/AF : ₹1500 / ₹1500+GST JF/AF : ₹1500 / ₹1500+GST

nt
Indigo: 5 6E Rewards/100 = ₹5
2 Air Mile/100 = ₹0.9 Dining, Grocery, Entertainment: 3
Reward Rate 1.5 Miles/100 = ₹1.23 Air India tickets for self or others via 1 CV Points/100 =₹1 6E Rewards/100 = ₹3
AI website: 5 Air Mile/100 = ₹2.25 Others: Entertainment: 2 6E
Rewards/100 = ₹2

1 Complimentary Economy class 1 Complimentary IndiGo air ticket

5,000 RP
ticket voucher worth ₹3,000
Nil Complimentary membership to the
Welcome Benefit Air India Frequent Flyer Program
Complimentary Club Vistara Base 1 Complimentary 6E Prime Add-
Membership On worth ₹1,099

₹ . 50,000 or more: 1,000 CV

Milestone Benefits Nil
₹ . 2 lakhs spends : 5,000 RP Points
Nil
₹ . 3 lakhs spends : 10,000 RP ₹ . 1,25,000 or more: 1 Economy
Class ticket

2 complimentary domestic Airport 2 complimentary domestic Airport

1 complimentary domestic Airport 2 complimentary domestic Airport
Lounge lounge visit lounge visit per quarter lounge visit lounge visit per quarter
lounge visit lounge visit per lounge visit lounge visit per
quarter quarter

25% discount on BMS & INOX up to

Movie ₹ 100
Nil Nil Nil

38
For Internal Circulation Only
Benchmarking: Adani One Signature
Adani One ICICI ICICI Bank MMT Axis Vistara ICICI Bank
Bank Signature Signature Signature Emirates Sapphiro

JF : ₹3,000 /
JF : ₹5,000 / ₹5,000+GST JF : ₹2,500 / Nil+GST JF : ₹5,000 / ₹5,000+GST
JF/AF ₹3,000+GST

Complimentary
Flight Voucher worth ₹5,000 Holiday Voucher worth ₹2,500 Complimentary
Skywards
Welcome Benefit Hotel Voucher worth ₹2,000
Holiday Voucher worth ₹2,000
MyCash worth ₹1,500 (Joining)
MMTBLACK Exclusive
premium eco ticket
CV Silver membership
Silver Tier membership
5,000 Skywards Miles

Domestic: 4/Qtr Domestic: 2/ Qtr Domestic: 2/ Qtr Domestic: 2/ Qtr

Lounge International: 2/Year International: 1/yr International: Nil International: 2/Year

50% off up to ₹500 on BMS 25% off on BMS & Inox upto ₹150 50% off up to ₹500 on BMS
Nil
Movie twice a month twice a month twice a month

Adani Reward Points ( 1 Adani Club Vistara points ( 1 CV

MyCash ( 1 MyCash = ₹1 ) Emirates Miles
RP = ₹1) = ₹1 )
Reward Currency
Domestic : 1.5 Adani RP / ₹100
Domestic : 0.625%
International : 2 Adani RP / ₹ 100 Retails : 0.4% Retail : 2%
International : 0.75%
Reward Rate Utilities: 0.5 Adani RP / ₹100

On Adani One Ecosystem: 7 On MMT : Flights : 1% | Hotels :

Nil Utility & Insurance : 1%
Accelerated Adani RP / ₹100 2%

Reward Rate Fee Waiver on Spends >=

₹6,00,000
1 Pranam Service on Spends of ₹.
₹2.5 Lacs spent on MMT : 1,100
3,00,000/- Upto 3000 CV pts + 4
MyCash Emirates Skywards
2 porter services on every ₹. premium eco tickets on
Milestone Benefits 1,00,000/- spent upto ₹.
₹5 Lacs Total Spends : 4,000
MyCash
spends of ₹9 Lac annually
Silver Tier membership
4,00,000/- (Upto 8 in an
anniversary year) 39
Benchmarking: Adani One Platinum
Adani One ICICI ICICI Bank MMT SC Ease My
Kotak Indigo 6E
Bank Platinum Platinum Trip

JF/AF
JF : ₹750 / ₹750+GST JF : ₹500 / Nil+GST JF : ₹350 / ₹350+GST JF : ₹700 / ₹700+GST

Welcome Benefit Flight Voucher worth ₹2,000

Hotel Voucher worth ₹1,000
Holiday Voucher worth ₹3000
Nil
1 Complimentary flight ticket
MyCash worth ₹500 (Joining) worth ₹1,500
Holiday Voucher worth ₹2,000

Lounge Domestic: 2/Qtr Domestic: 1/ Qtr Domestic: 1/ Qtr Domestic: Nil

International: Nil International: Nil International: 2 p.a. International: Nil.

Movie 25% off up to ₹100 on BMS 25% off on BMS & Inox upto
Nil Nil
twice a month ₹100 twice a month

Reward Currency
Reward Currency Adani Reward Points ( 1 Adani
MyCash ( 1 MyCash = ₹1 ) SC RP ( 1 RP = ₹ 0.25 ) Indigo RP ( 1 RP = ₹1 )
RP = ₹1)

Domestic : 1 Adani RP / ₹100

Reward Rate International : 1.5 Adani RP / Domestic : 0.5%
Retail : 0.5% Retail : 1%
₹100 International : 0.625%
Utilities: 0.5 Adani RP / ₹100
Accelerated On EMT
On Adani One Ecosystem: 3 On MMT : Flights : 1% On Indigo : 3%
Reward Rate Adani RP / ₹100 On MMT Hotels : 1.5%
Flights : 10% discount
Dining : 2%
Hotels: 20% discount

Fee Waiver on Spends >=

Milestone Benefits ₹3,00,000
2 porter services on every ₹.
₹50,000 spent on MMT : 1000
MyCash Fee Waiver on Spends >=
Nil
1,00,000/- spent upto ₹. ₹2.5 Lacs Total Spends : 1000 ₹50,000
2,00,000/- (Upto 4 in an MyCash
anniversary year)

40
For Internal Circulation Only
Benchmarking: MakeMyTrip Signature
ICICI Bank MMT Axis Vistara
Signature Kotak Indigo 6E XL
Signature

JF/AF JF : ₹2,500+GST / Nil JF : ₹3,000 / ₹3,000+GST JF : ₹2,500 / ₹2,500+GST

Holiday Voucher worth ₹2,500 Complimentary premium

Welcome Benefit MyCash worth ₹ 1,500 (Joining) eco ticket
1 Complimentary flight ticket
worth ₹3,000
MMTBLACK Exclusive CV Silver membership

Lounge Domestic: 2/ Qtr Domestic: Unlimited Domestic: 2/ Qtr

International: 1/yr International: Nil International: Nil.

Movie 25% off on BMS & Inox upto ₹150

twice a month
Nil Nil

Reward Currency MyCash ( 1 MyCash = ₹1 ) Club Vistara points ( 1CV=₹1) Indigo RP ( 1 RP = ₹1 )

Domestic : 0.625%
Reward Rate International : 0.75%
Retails : 0.4% Retail : 2%

Accelerated On MMT : Flights : 1% | Hotels :

Nil
On Indigo : 6%
reward rate 2% Dining : 3%

₹2.5 Lacs spent on MMT : 1,100

Upto 3000 CV pts + 4 premium
Milestone Benefits MyCash
₹5 Lacs Total Spends : 4,000
eco tickets on spends of ₹9Lac Nil
annually
MyCash

Forex Markup 3.5% 2.99% 3.5%

41
For Internal Circulation Only
Benchmarking: MakeMyTrip Platinum
ICICI Bank MMT Federal Bank SC Ease My
Scapia Trip Kotak Indigo 6E
Platinum

JF/AF JF : ₹500 +GST/ Nil JF : Nil / Nil JF : ₹350 / ₹350+GST JF : ₹700 / ₹700+GST

Holiday Voucher worth ₹3000 1 Complimentary flight ticket

Welcome Benefit MyCash worth ₹500 (Joining)
Nil Nil
worth ₹1,500

Lounge Domestic: 1/ Qtr

International: Nil
Domestic: Unlimited
Domestic: 1/ Qtr
International: 2 p.a.
Domestic: Nil
International: Nil.

25% off on BMS & Inox upto ₹100

Movie twice a month
Nil Nil Nil

MyCash ( 1 MyCash = ₹1 ) Scapia Coin ( 1 RP = ₹0.2 ) SC RP ( 1 RP = ₹0.25 ) Indigo RP ( 1 RP = ₹1 )

Reward Currency
Domestic : 0.5%
Retail : 2% Retail : 0.5% Retail : 1%
Reward Rate International : 0.625%

On EMT
Flights : 10% discount (
Accelerated On MMT : Flights : 1%
On Scapia : 4% Capped at ₹ 1000 )
On Indigo : 3%
On MMT Hotels : 1.5% Dining : 2%
reward rate Hotels: 20% discount (
Capped at ₹ 5000 )

₹50,000 spent on MMT : 1000

MyCash Fee Waiver on Spends >=
Milestone Benefits ₹2.5 Lacs Total Spends : 1000
Nil
₹50,000
Nil
MyCash

Forex Markup 3.5% Nil 3.5% 3.5%

42
For Internal Circulation Only
Benchmarking: CSK & ManU
Chennai Super Kings ICICI ICICI Bank Manchester
Bank Credit Card United Platinum Credit Card

JF/AF
Segment ₹500 + GST ₹499 + GST

AnnualEligibility
Income Fee Waiver ₹1,50,000 ₹1,25,000

Welcome benefit 2000 RP (JF/AF) Complimentary Manchester united Branded Football

Lounge Domestic: 1/ Qtr Domestic: 1/ Qtr

Movie 25% off on BMS & Inox upto ₹100 twice a month 25% off on BMS & Inox upto ₹100 twice a month

International: 0.5% International: 0.5%

Reward Rate Domestic: 0.5% Domestic: 0.5%
Utility/ insurance: 0.25% Utility/ insurance: 0.5%
Match Days: 2.5% Match Days: 0.75%

Money Cant Buy experience for Top Spenders

Other Benefits 1) Meet & Greet
Money Cant Buy experience for Top Spenders
1) Trip to Old Trafford
2) IPL Tickets for CSK home matches
2) Exclusive MU Match experience
Signed Merchandise for monthly top spenders
Merchandise for monthly top spenders

Fuel Surcharge
1% fuel surcharge waiver 1% fuel surcharge waiver

43
For Internal Circulation Only
Benchmarking: HPCL Super Saver
HPCL Super
IOCL Axis IOCL HDFC BPCL SBI
Saver
JF/AF JF : ₹500 / ₹500+GST JF : ₹500 / ₹500+GST JF : ₹500 / ₹500+GST JF : ₹499/ ₹499+GST

Welcome Benefit
Segment ₹500 (Points) ₹250 (Cashback) NA ₹500 (Points)

G+D+U (Groceries, dept. store & G+Dining+Movies (Cap

Accelerated Category utilities)
Online spends Groceries and Utilities
shared with Fuel)*
Income Eligibility
Accelerated 5% (₹100 pm) 5% (₹100 pm)
1% (No Cap) 1.25% (₹325 pm)*
Reward Rate (On spends of ₹2000) (On spends of ₹2000)

4% (₹200 pm) 5% (₹200 pm) 3.25% (₹325 pm)*

4% (₹200 pm)
Fuel Earn Rate (On spends of ₹5000) (On spends of ₹ 4000) (On spends of ₹10,000)

Other Spends(no cap) 0.5% 0.2% 0.67% 0.25%

Fuel Surcharge
Current: HPCL Pumps 250 pm All Pumps (min
₹50 pm All Pumps ₹100 pm All Pumps
(No Cap) transaction ₹400)
RSA Services
Complimentary NA NA NA

Milestone Benefits
Annual fee waiver
NA NA NA
(Spends> ₹150,000)
Lounge
1/QTR (Domestic) NA NA NA

Movie ₹100 off on BMS and INOX, 2X a

month 10% ₹100 pm at BMS NA NA
(Cap at ₹400/month)
44
For Internal Circulation Only
Benchmarking: HPCL Coral
ICICI Bank HPCL Coral IDFC First Power
JF : ₹199 / ₹199+GST JF : ₹199 / ₹199+GST
JF/AF

₹250 cashback on 1st HPCL fuel transaction of ₹250 or above*

5% cashback (up to ₹1,000) on the transaction value of 1st EMI
conversion*
NA ₹150 Discount on order above ₹500 on Swiggy
₹500 Discount on ZoomCar rentals
Welcome Benefits Discount up to 50% on Domestic and International Rental Cars with Eco
Rent A Car and Europcar (30% of transaction amount)

Milestone Benefits
Annual fee waiver on spend of Annual fee waiver on spend of
₹50,000 ₹50,000

2.5% RP (cap ₹ 100 per month)

Rewards Rate .50% (No cap)
1 RP = ₹0.25
0.33% on retail spends (no cap)
1 RP = ₹0.25

Movie 25% discount on BMS up to ₹100 twice/month NA

2.5% RP (cap ₹125 per month)

Fuel Savings 2.5% cashback up to ₹100 per month 1.5% RP on HP Pay (Cap 300RP per month)
1RP= 0.25

On HPCL Pump On HPCL Pump

Fuel Surcharge Min trnx. of ₹400 Min trnx. of ₹400
Max trnx. Value ₹4,000 Max trnx. Value ₹4,000

RSA RSA services

NA (worth ₹1399)
45
For Internal Circulation Only
Thank you