Base reward rate: 1 EDGE Mile on every Rs. 100 spent on domestic transactions, 2 EDGE Miles on every Rs. 100 spent on international transactions.
Redemption options: partner_points
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 20000
Annual fee: 20000
Pros
Unlimited lounge access
Co-branded benefits with premium travel partners like Taj and ITC hotels
Complimentary stay program via Hotels.com
Low forex markup fee of 1.8%
Excellent redemption ratio of 1:4 against travel partners
Complimentary guest lounge access included
Cons
The base reward rate is low for a super-premium card, offering only 1 EDGE Mile per ₹100 on domestic transactions.
Reward earning potential is severely limited by a long list of excluded categories, including common high-spend areas like utilities, insurance, rent, and fuel.
The high annual fee of ₹20,000 is not accompanied by a spend-based waiver option, a common feature offered by competing cards in this segment.
The value of the welcome bonus (₹10K vouchers + ₹2K in miles) does not fully cover the ₹20,000 joining fee, representing an immediate net cost to the cardholder.
The miles transfer program is complicated by a tiered structure dividing partners into 'Group A' and 'Group B', which can create confusion and devalue points when redeeming with preferred airlines or hotels.
Best Use Case
High-net-worth individuals who frequently travel internationally, value luxury hotel stays, premium lounge access, and golf experiences.