Base reward rate: 4 pts/₹150 (up to 26.6 pts/₹150 on select partners)
Redemption options: Flights/hotel bookings, Airline/Hotel Partners, Exclusive Gold Catalogue, Statement Credit, Products and Gift Vouchers.
Fees & Charges
Joining fee: 2500
Annual fee: 2500
Pros
Offers high accelerated rewards of 40 points per ₹150 spent on Smartbuy Hotels, and 20 points per ₹150 spent on Smartbuy Flights/Vouchers and select brands including Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
Provides complimentary international and domestic airport lounge access, including 6 international lounge visits for the RuPay variant without requiring a Priority Pass.
Offers flight vouchers as milestone benefits upon reaching annual spend thresholds.
Includes complimentary premium brand memberships upon card activation.
Provides exclusive travel privileges and benefits through the newly introduced 'Travel Edge Program'.
Cons
The regular reward rate is low at 4 points per ₹150 spent, with complete exclusion of rewards on common spending categories like fuel, wallet, rent, and tax payments.
Domestic lounge access is spend-gated, requiring a high minimum quarterly expenditure of ₹60,000 to unlock visits, which are issued via vouchers rather than direct card swipes.
Accelerated rewards are restricted by strict monthly caps, limiting earnings to a maximum of 5,000 points on shopping, 4,000 points on Smartbuy flights/vouchers, and 4,000 points on Smartbuy hotels.
The annual fee waiver threshold is set high at ₹4.0 Lakhs of annual spend to waive the ₹2,500 annual fee.
Travel Edge Program benefits require boarding pass uploads and are destination-city specific, while general reward points suffer from low redemption value on product and voucher purchases.
Best Use Case
Travelers and lifestyle shoppers looking for accelerated reward points on partner brands and airport lounge access.