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| Reward Points | Annual Fees | Welcome Offer | Lounge Access | |
|---|---|---|---|---|
| Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only) | Rs. 500 | Get 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and Cash spend are not included. | Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter) |
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