Base reward rate: 7.5 pts/₹100 on most spends, 15 pts/₹100 on international spends
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 50000
Annual fee: 50000
Pros
Unmatched hotel benefits with complimentary memberships to ITC Culinaire, Accorplus, and Club Marriott Asia Pacific, offering extensive stay and dining perks.
Exceptional lifestyle privileges including 50 complimentary golf rounds per year and 8 VIP Assistance Services at airports annually.
High-value entertainment package with a monthly Buy-1-Get-1 offer on 5 movie tickets (up to ₹500 off each) and 5 non-movie tickets (up to ₹1,000 off each).
Superior benefits for international travel, featuring a low 1.5% forex markup and an accelerated earn rate of 30 Edge Reward Points per ₹200 spent abroad.
Generous lounge access policy providing unlimited international (Priority Pass) and domestic visits for both primary and add-on cardholders, plus 12 complimentary guest visits per year.
Cons
The welcome bonus of 50,000 points does not adequately compensate for the very high joining fee of ₹50,000, offering a redemption value significantly below the initial cost.
The base reward rate of 15 points per ₹200 is low for this segment, and its value is severely diminished by an extensive list of excluded categories, including Insurance, Utilities, Rent, and Government payments.
The extremely high annual spend requirement of ₹35 Lakhs to qualify for a fee waiver makes it inaccessible for most cardholders.
Despite the super-premium positioning, core benefits like unlimited lounge access are conditional upon a minimum spend of ₹50,000 in the previous quarter.
Best Use Case
High-net-worth individuals seeking unparalleled luxury travel, dining, and lifestyle benefits with a high annual fee.