Base reward rate: 2 Membership Rewards Points per ₹100 spent, with accelerated rates up to 40x on luxury brands.
Redemption options: Reward Redemption Portal
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 60000
Annual fee: 10000
Pros
Exceptional hotel benefits with complimentary elite status including Marriott Bonvoy Gold, Hilton Honors Gold, and Radisson Rewards Premium.
Comprehensive premium lifestyle memberships such as Taj Epicure, Zomato Gold (1 year), Accor Plus Silver, and EazyDiner Prime.
Guaranteed monthly benefit of a ₹1,000 voucher for movies or online shopping, providing a direct value of ₹12,000 annually.
Unlimited international lounge access to the American Express Global Lounge Collection, including exclusive Centurion Lounges.
Strong accelerated rewards on specific categories, offering 20x points on select luxury brands and 5x points on partners like Myntra, Apple, and MakeMyTrip.
Uncommon benefit of earning rewards on fuel at a high rate of 5 Membership Reward points per ₹100 spent.
Earns rewards on fuel transactions (5 Membership Reward points per Rs. 100 rate)
Cons
Extremely high joining fee of ₹60,000, which is significantly above other super-premium cards in the Indian market.
High foreign exchange markup fee of 3.50%, making it costly for international spending compared to competitors that offer rates below 2%.
The base reward rate is low for its segment at just 1 Membership Rewards Point per ₹50 spent, requiring reliance on accelerated categories to maximize value.
Domestic lounge access is capped at 12 visits per year (3 per quarter), which is restrictive compared to other super-premium cards offering unlimited access.
Best Use Case
High-net-worth individuals seeking unparalleled luxury travel, dining, and lifestyle benefits with premium rewards.