Base reward rate: Earn 3 reward points per ₹100 on general spends, and 5x (15 points per ₹100) on dining, travel, and international spends.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 2499
Annual fee: 2499
Pros
Exceptional welcome benefits with a claimed value of ₹15,000, including annual memberships to Amazon Prime, Disney+ Hotstar, and Gaana Plus.
Unique wellness package tailored for women, offering complimentary services like Pap Smear, Blood Tests, and Mammography.
Low foreign exchange markup fee of 2.00%, which is significantly better than the industry standard of 3.5% for international transactions.
Unlimited complimentary domestic airport lounge access, a premium feature, although conditional on spending.
Accelerated 5X reward points on key spending categories including all dining, travel, and international transactions.
Highly achievable joining fee waiver condition, requiring a spend of just ₹25,000 within the first 60 days.
Cons
Extremely low reward redemption value, with 1 reward point equalling only ₹0.25 in cashback, resulting in a base reward rate of just 0.75%.
Complete absence of complimentary international lounge access, a significant omission for a card in this fee segment that encourages international spending.
The unlimited domestic lounge access is conditional on a high quarterly spend of ₹40,000, making the benefit inaccessible during low-spending periods.
Accelerated 5X reward points are subject to a maximum cap, which limits the total value that can be earned by high spenders in bonus categories.
Best Use Case
Individuals seeking premium lifestyle benefits, accelerated rewards on travel and dining, and complimentary memberships to popular streaming and wellness platforms.