Base reward rate: Earn 3 points per ₹100 on most spends, with 5X rewards (3.75% back) on dining.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 2499
Annual fee: 2499
Pros
Offers an excellent accelerated reward rate of 3.75% (as 5X points) on all dining expenses, which is high for its segment.
Features a low foreign currency markup of 2.00%, significantly better than the industry standard of ~3.5%, making it cost-effective for international use.
Provides premium lifestyle benefits like complimentary golf tee-offs, a perk not commonly found on cards with a ~₹2,500 annual fee.
The welcome bonus of 10,000 Reward Points (on spending ₹50,000 in 60 days) effectively cancels out the ₹2,499 joining fee.
The annual fee waiver is set at a reasonably achievable threshold of ₹2.5 lakhs in annual spending.
Cons
The base reward rate is a low 0.75% (3 points per ₹100), which is uncompetitive compared to the 1-1.5% offered by other cards in this segment.
The 'Unlimited' domestic lounge access is highly restrictive, requiring a spend of ₹40,000 in the previous quarter to unlock the benefit, making it unreliable.
Completely lacks complimentary international lounge access, a key feature expected in a premium card segment targeting high-income individuals.
Reward redemption is limited to cash credit, with no option to transfer points to airline or hotel loyalty programs, reducing value for frequent travellers.
Best Use Case
Individuals with high income who frequently dine out, enjoy movies, and seek premium lifestyle benefits like lounge access and golf.