Base reward rate: 5 pts/₹100 (10 pts/₹100 on retail shopping)
Redemption options: vouchers/merchandise
Redemption value: 1 Pt = ₹0.20
Fees & Charges
Joining fee: 3000
Annual fee: 3000
Pros
Excellent travel benefits with 12 complimentary international lounge visits per year via Priority Pass, a feature typically found on higher-tier cards.
Strong lifestyle and entertainment perks, including 6 complimentary golf rounds annually and a 'Buy One, Get One' movie ticket offer on BookMyShow with a discount up to ₹300.
Significant monthly savings on daily expenses with 40% off on Swiggy (up to ₹200, twice a month) and 20% off on BigBasket (up to ₹500, once a month).
Accelerated rewards on a broad category, offering 2X points (20 EDGE points per ₹200 spent) on all retail shopping transactions.
Valuable welcome bonus of a ₹2,000 Amazon voucher on making the first transaction within 90 days, effectively offsetting two-thirds of the joining fee.
Cons
Domestic lounge access is restrictive, requiring a minimum spend of ₹50,000 in the preceding quarter to unlock the 2 complimentary visits.
The annual fee waiver threshold is high at ₹8 Lakhs, making it difficult for many users to avoid the recurring ₹3,000 fee.
Annual fee of ₹3,000 requires ₹30,000+ annual spend to justify
The minimum income requirement of ₹6 Lakh per month for salaried individuals is exceptionally high, making the card inaccessible to a large portion of the affluent market.
Best Use Case
Individuals with high income seeking premium lifestyle benefits, travel perks, and accelerated rewards on shopping and dining.