Base reward rate: Up to 26.67 points per ₹100 on SmartBuy, 13.33 points on dining, and 2.67 points on other retail spends.
Redemption options: airmile
Redemption value: 1 Pt = ₹0.50
Fees & Charges
Joining fee: 2500
Annual fee: 2500
Pros
Excellent accelerated reward rate of 6.67% (20 points per ₹150) on Swiggy/Zomato and up to 13.3% (40 points per ₹150) via the SmartBuy portal.
Generous lounge access program offering 12 domestic and 8 international visits annually (2 per quarter), which is significantly above the standard for this fee segment.
Features a low foreign currency markup fee of 1.99%, offering substantial savings on international transactions compared to the industry standard of 3.5%.
Provides valuable complimentary annual memberships to Swiggy One and Times Prime upon spending ₹75,000 within the first 90 days.
Offers a recurring monthly milestone benefit of a ₹500 voucher (from brands like BookMyShow/TataCLiQ) on spending ₹40,000 in a calendar month.
Strong entertainment benefit with a Buy 1 Get 1 offer on BookMyShow for weekend tickets, usable twice a month for a maximum discount of ₹250 per transaction.
Complimentary guest lounge access included
Cons
Reward points are significantly devalued for direct cashback redemption, with a low rate of just ₹0.20 per point, which is 60% lower than the optimal travel redemption value of ₹0.50.
Subpar airmile conversion rate of 2 Reward Points to 1 air mile (1 RP = 0.5 miles), making it less attractive for users focused on mileage accumulation.
The complimentary lounge access benefit is strictly for the primary cardholder, with no provision for bringing accompanying guests free of charge.
The annual fee waiver requires a spend of ₹3 Lakhs, a relatively high threshold for a card with a ₹2,500 annual fee.
Best Use Case
Individuals who frequently spend on dining, entertainment, and travel, and value premium memberships and accelerated rewards on specific platforms.