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.

• Usable lounge access: Domestic lounges matter for frequent flyers; Priority Pass adds international coverage
• Relevant lifestyle perks: Golf memberships are worthless if you don't play
• Comprehensive insurance: Emergency medical coverage abroad is genuinely valuable
• Quality concierge: Good concierge services can save time and unlock exclusive access

• Calculate lounge value: If you fly 10+ times yearly, unlimited domestic lounge access saves ₹15,000+
• Use all perks: Many cardholders forget about spa credits, golf rounds, and travel credits
• Understand insurance: Read policy details—coverage amounts and exclusions vary significantly
• Stack benefits: Combine card perks with airline/hotel loyalty programs for maximum value

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.