Base reward rate: 2.5 Skywards Miles per ₹100 on most spends
Redemption options: Skyward Miles
Redemption value: 1 Pt = ₹0.70
Fees & Charges
Joining fee: 10000
Annual fee: 10000
Pros
Complimentary Skywards Miles Membership (Silver Tier, with an option to upgrade to Gold Tier)
Up to 2.5% reward earning rate across all spends
Unlimited domestic & international lounge access
Redeem Skywards Miles for flight upgrades & award flights
Discounts on movie ticket bookings via BookMyShow
Earns rewards on insurance premium payments (1 Skywards Mile per INR 100 rate)
Earns rewards on utility bill payments (1 Skywards Mile per INR 100 rate)
Cons
Uncompetitive forex markup: The 3.50% foreign currency markup fee is extremely high for a premium travel card, significantly increasing the cost of international transactions.
No complimentary travel insurance: The card completely lacks travel insurance coverage, a critical and expected feature for any card in the ₹10,000 annual fee segment.
Major reward exclusion on travel: Earns 0 Skywards Miles on 'transportation' spends, a broad and unusual exclusion that devalues the card for general travel expenses.
Reduced rewards on common spends: The earn rate drops by 60% to just 1 Skywards Mile per ₹100 on utility and insurance payments, diminishing its value for everyday bills.
Best Use Case
Frequent flyers of Emirates seeking premium travel benefits and accelerated Skywards Miles earnings.