Base reward rate: Earn 1 RP/₹100 on general spends, 5 RP/₹100 on travel & international, and 10 RP/₹100 on dining. 1 RP = ₹0.25.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 1000
Annual fee: 1000
Pros
Offers a strong 2.5% reward rate (10 points per ₹100, with 1 point = ₹0.25) on key categories like Dining, Travel, and International spends.
The card is effectively free for moderate spenders with very achievable fee waiver conditions: joining fee on ₹10,000 spend in 60 days and annual fee on ₹1,20,000 spend in a year.
Provides comprehensive movie benefits across multiple platforms, including 30% off up to ₹150 at PVR and 50% off up to ₹125 on Paytm Movies.
Features a 1% fuel surcharge waiver with a generous monthly cap of ₹250, allowing for fuel spends up to ₹25,000 per month.
Includes a valuable personal air accident death cover of up to ₹50 lakh.
Cons
The base reward rate is extremely low at just 0.25% (1 point per ₹100, with 1 point = ₹0.25), offering poor value on all non-accelerated spending.
A high 3.5% forex markup fee significantly erodes the value of the accelerated rewards on international transactions, resulting in a net cost.
Despite rewarding travel spends, the card lacks any complimentary international lounge access, a significant gap for a 'Premier' card.
Best Use Case
High-spenders on dining, travel, and international transactions seeking accelerated rewards and premium benefits.