Base reward rate: 2 Membership Rewards Points per ₹100 spent (0.6% to 1% value)
Redemption options: Marriott, Taj voucher
Redemption value: 1 Pt = ₹0.58
Fees & Charges
Joining fee: 1000
Annual fee: 4500
Pros
Powerful monthly milestone bonuses significantly boost the reward rate; spending ₹20,000 in a month (via 4+ transactions of at least ₹1,500) yields 2,000 bonus points on top of base points.
The annual fee of ₹4,500 is waived on a relatively low spending threshold of just ₹1.5 Lakhs, which is more achievable than many competing cards in this segment.
Membership Rewards Points never expire, allowing cardholders to accumulate points over the long term for high-value redemptions without the pressure of a deadline.
Strong welcome offer of 4,000 Membership Rewards Points, awarded on spending ₹15,000 within the first 90 days, which effectively offsets the first-year fee.
Provides tangible dining benefits with up to 25% off at partner restaurants like Barista, Vapour Brewpub And Diner, and Badmaash.
Cons
Complete lack of complimentary airport lounge access, which is a standard and expected benefit for most Indian credit cards with an annual fee of ₹4,500.
Key everyday spending categories including fuel, insurance, and all utility payments are explicitly excluded from earning any Membership Rewards Points.
Annual fee of ₹4,500 requires ₹45,000+ annual spend to justify
Card availability is geographically restricted to residents of specific cities like Delhi/NCR, Mumbai, and Bangalore, making it inaccessible to a large part of the Indian market.
Best Use Case
Consumers seeking flexible rewards points for shopping vouchers or high-value transfers to travel partners like Marriott Bonvoy, who can meet monthly spend thresholds.