TVS Credit RBL Bank Gold Credit Card

Best for: Mid-income professionals seeking a low-fee rewards card with complimentary domestic lounge access and accelerated points on dining and travel.

Rewards: 10 Reward Points/₹100 Spent on Dining, Travel, and International Transactions. All Other Eligible Spends Shall Get 2 Reward Points/₹100

Lounge access: 1 Domestic visits/quarter · ₹20k quarterly spend required

Renewal fee waived on ₹1,20,000 annual spend

Best for: Everyday In-Store Spenders, Dining/Groceries & RuPay UPI

Rewards: 1 Reward Point/₹150 Spent (Reward Rate = 0.17%) and 10X RPs for Spends on Movies, Grocery, Dining, & Departmental Stores (Reward Rate 1.7%)

Renewal fee waived on ₹1,00,000 annual spend

Best for: Two-wheeler owners, TVS Credit loan customers, and retail shoppers seeking structured EMI finance

Rewards: 1 Reward Point per Rs 100 on other retail spends (0.25% value back)

Lounge access: 4 Domestic visits/year · ₹35k quarterly spend required

Renewal fee waived on ₹1,00,000 annual spend

Best for: Loyal Reliance ecosystem shoppers (Reliance Digital, Trends, Smart Bazaar, JioMart) who spend ₹10,000+ monthly and travel domestically and internationally.

Rewards: 2 Reward Points per Rs. 100 on other retail spends

Lounge access: 2 Domestic visits/quarter + 4 International visits/year

Renewal fee waived on ₹3,00,000 annual spend

Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.

Rewards: 5 Reward Points per ₹150 spent

Lounge access: Unlimited Domestic & International

Forex markup: 2% Low Forex

Renewal fee waived on ₹10,00,000 annual spend

Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.

Rewards: 1 EDGE Mile/₹100 Spent on All Transactions

Lounge access: Unlimited Domestic & International

Forex markup: 1.5% Low Forex