Verified 6 Aug
Krish Sethi
Asked 30 Apr 2026
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
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The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
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A Mastercard premium tier card.
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A Mastercard basic card.
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
