Base reward rate: Earn 10 points per ₹200 on domestic spends, 20 points per ₹200 on international spends, and 2x points during your birthday month.
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 5000
Annual fee: 3000
Pros
Strong entertainment benefit offering 50% cashback on movie tickets booked via BookMyShow, with a high annual cap of ₹2,000.
Good domestic travel perk with 2 complimentary lounge visits per quarter (8 per year) without any minimum spend conditions.
Comprehensive dining benefits, including up to 25% off (max ₹800) at partner restaurants via EazyDiner membership and a minimum 15% discount through the Dining Delights program.
The annual fee of ₹3,000 is waived on a relatively achievable annual spend of ₹3,00,000, making the card potentially free to hold from the second year onwards.
Accelerated rewards on specific categories, offering 20 points per ₹200 on international spends and 2x points on all spends during the cardholder's birthday month.
Complimentary lounge access with no minimum spend requirement
Complimentary guest lounge access included
Cons
Completely lacks complimentary international lounge access, a standard and expected feature for a premium card in this fee segment.
Annual fee of ₹5,000 requires ₹50,000+ annual spend to justify
Annual fee of ₹5,000 requires ₹50,000+ annual spend to justify
The rewards program is severely limited by an extensive list of excluded spending categories, including common high-value transactions like utilities, insurance, rent, and education.
The base reward rate of 10 points per ₹200 (approx. 1% value) is average and not competitive for a card with a joining fee of ₹5,000.
Best Use Case
Individuals seeking premium lifestyle benefits including lounge access, dining discounts, and accelerated rewards on international and birthday spends.