Cards with the highest benefits component rating (18% of overall score). Ranked by lounge access, insurance, lifestyle perks, and premium services.
4 cards ranked | Updated January 2026
Airport lounge visits and networks
Golf, spa, dining, transfers
Travel and accident coverage
Concierge and priority support
4.7 ★
4.5 ★
2.8 ★
1.9 ★
The benefits rating measures non-monetary perks that add value beyond rewards. This includes airport lounge access, insurance coverage, lifestyle benefits like golf and spa access, and premium services like 24x7 concierge.
Benefits contribute 18% to our overall rating. Premium cards naturally score higher here, but we factor in whether these benefits justify their cost through our Value for Money rating.
Cards with 24x7 concierge get a +0.2 bonus; priority customer care adds +0.1.
Benefits-focused cards suit:
It depends on usage. A ₹10,000 fee card offering unlimited lounge access, ₹5,000 in lifestyle credits, and comprehensive insurance can easily deliver ₹25,000+ in value to someone who uses these benefits. For others, it's wasted money.
Priority Pass is the world's largest airport lounge network with 1,300+ lounges globally. International travelers value it highly because domestic lounge programs don't work abroad. Cards with Priority Pass score significantly higher in our rankings.
Benefits matter most for frequent travelers and those who'll actively use lifestyle perks. Don't pay for premium benefits you won't use—our Value for Money rating helps identify cards where benefits justify their cost.
