Base reward rate: Up to 20 pts/₹100 on standalone dining, 5 pts/₹100 on groceries, international, and departmental stores, 3 pts/₹100 on other spends.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 7999
Annual fee: 7999
Pros
Accelerated returns on dining and grocery shopping without brand restrictions
Low forex markup fee
Railway lounge access benefits extended to add-on members
Up to 12,000 reward points annually as milestone bonus
Earns rewards on insurance premium payments (1 reward point for every Rs. 100 rate)
Earns rewards on utility bill payments (1 reward point for every Rs. 100 rate)
Cons
Sub-par domestic lounge access for a premium card, limited to 2 visits per quarter and conditional on spending ₹20,000 in the previous quarter.
Low effective base reward rate; while accelerated categories are strong, the base rate of 3 points per ₹100 is weak, especially when combined with a low redemption value.
Extremely restrictive fuel surcharge waiver, as the 1% waiver is only applicable on transactions up to ₹1,000, making the maximum benefit a negligible ₹10 per transaction.
Missing key lifestyle benefits like complimentary golf rounds or Buy-One-Get-One movie ticket offers, which are standard expectations for cards with a ~₹8,000 annual fee.
Best Use Case
Individuals seeking premium lifestyle benefits, accelerated rewards on dining and groceries, and extensive travel perks including lounge access.