BENISS FINANCE LIMITED
English Alerts Sign In Cart
Become a Partner
Partner Login Partner Support

Get more from every card

Card Benefits

Reward points, airport lounge, insurance, fuel waiver, concierge and lifestyle privileges — understand what your credit and debit cards offer.

Explore Benefits Compare Tiers
Rewards
Points & cashback
Lounge
Airport access
Insurance
Travel & purchase
Lifestyle
Dining · Movies
Privileges

Key Card Benefits

★
Rewards

Reward Points & Cashback

Earn points or cashback on spends and redeem for vouchers, statement credit or catalogue products.

  • Accelerated points on select categories
  • Welcome / milestone bonuses
  • Redeem via bank portal or app
Learn More
✈
Travel

Airport Lounge Access

Complimentary or discounted visits to domestic and international lounges on eligible premium cards.

  • Domestic lounge visits per year
  • International access on select cards
  • Guest access may apply*
Learn More
🛡
Insurance

Travel & Purchase Protection

Complimentary insurance covers linked to card usage — travel, lost baggage and purchase protection where offered.

  • Travel accident cover*
  • Purchase protection on eligible spends
  • Claim process via bank / insurer
Learn More
⛽
Everyday

Fuel Surcharge Waiver

Waiver of fuel surcharge on petrol and diesel spends at participating stations, subject to caps.

  • Typically 1% surcharge waived
  • Monthly transaction caps apply
  • Valid at partner fuel networks
Learn More
🎬
Lifestyle

Dining & Entertainment

Discounts on restaurants, movies and events. Buy-one-get-one and partner offers on many cards.

  • Restaurant partner discounts
  • Movie ticket offers
  • Seasonal lifestyle campaigns
Learn More
☎
Premium

Concierge & Priority Services

Dedicated support for bookings, reservations and travel planning on super-premium and select premium cards.

  • 24×7 concierge on eligible cards
  • Hotel & dining reservations
  • Priority customer care lines
Learn More
💳
Everyday

Zero Liability & Security

Zero liability on unauthorised transactions reported within the bank’s stated time, plus OTP and app controls.

  • Report fraud promptly
  • Card controls via mobile app
  • Spend alerts and limits
Learn More
🌍
Travel

Forex Markup Benefits

Lower or waived foreign currency markup on international spends for select travel and premium cards.

  • Reduced forex markup*
  • Useful for overseas travel
  • Check card-specific rates
Learn More
🎁
Welcome

Welcome & Milestone Benefits

Joining bonuses, fee waivers on spend milestones and anniversary rewards on many card programmes.

  • Welcome points or vouchers
  • Annual fee waiver on spend
  • Milestone reward tiers
Learn More
Compare

Benefits by Card Tier

Entry / Classic

Everyday cards

  • Basic reward points or cashback
  • Fuel surcharge waiver (capped)
  • Online & offline acceptance
  • App-based card controls
  • Zero liability (as per policy)

Premium / Gold

Most popular

  • Higher reward rates
  • Domestic lounge access*
  • Dining & movie offers
  • Purchase / travel insurance*
  • Welcome & milestone benefits
  • Priority support options

Super Premium

Elite privileges

  • Top-tier reward rates
  • Domestic + international lounge*
  • Concierge services
  • Lower forex markup*
  • Enhanced insurance covers
  • Lifestyle & golf privileges*

*Benefits vary by bank and product. Always refer to your card’s benefit guide.

Guide

How to Maximise Benefits

1

Know Your Card

Read the benefit guide for your exact product

2

Track Categories

Spend more where you earn accelerated points

3

Use Partners

Lounge, dining and shopping partners matter

4

Redeem Smart

Choose high-value redemptions over low ones

Not sure which benefits you have?

Share your card type and we’ll help you understand rewards, lounge, insurance and other privileges that may apply.

Contact Us
FAQs

Frequently Asked Questions

No. Benefits depend on the bank, card product and tier (classic, premium, super premium). Always check the specific benefit guide for your card.
Eligible cards usually allow access via the card network app, bank app or a lounge membership programme. Present your card and booking reference as instructed by the bank.
Expiry rules vary. Some points last 1–3 years from earning; others are linked to card status. Check your bank’s rewards terms and redeem before they lapse.
Some covers are automatic when you pay for travel or purchases with the card; others need registration. Coverage limits and exclusions apply — read the policy summary from your bank.
BeniSS Finance Limited
Calculators ▾
EMI Calculator, Eligibility Calculator, Prepayment Calculator and more tools to plan your finances.
Application Forms ▾
Download application forms for Personal Loan, Home Loan, Business Loan and other products.
Resources ▾
Guides, blogs, interest rate charts and financial literacy resources.
Support ▾
FAQs, customer care, branch locator and grievance redressal.
Contact Us ▾
Reach us via phone, email or visit our nearest branch.
Language ▾
English | हिन्दी | मराठी | தமிழ் | తెలుగు