Base reward rate: Earn 4 reward points for every ₹100 spent on retail transactions, with 1 point per ₹100 on utilities and insurance.
Redemption options: Rewards catalogue
Fees & Charges
Joining fee: 12000
Annual fee: 12000
Pros
Exceptional travel and wellness benefits, offering unlimited domestic lounge and spa access via Dreamfolks, and unlimited international lounge access with a Priority Pass membership.
High-value entertainment perk with a 'Buy One, Get One' offer on BookMyShow, providing up to ₹750 off on the second ticket, usable up to four times per month.
Provides complimentary Taj Epicure membership, a valuable lifestyle benefit offering dining discounts and privileges at Taj properties.
Features a competitive foreign currency markup fee of 2.00%, which is lower than the standard 3.5% on many cards, benefiting international spenders.
The annual fee of ₹12,000 is waived on a relatively achievable annual spend of ₹10.0L for the target high-income segment.
Complimentary lounge access with no minimum spend requirement
Cons
The complimentary golf benefit is highly restrictive, requiring a spend of ₹50,000 in the previous month to unlock just one of the four available rounds/lessons.
Lacks complimentary lounge access for guests, a significant omission for a premium card where accompanying travelers are common.
The high joining fee of ₹12,000 is not offset by any stated welcome benefits, such as bonus reward points or vouchers, reducing its initial value proposition.
Best Use Case
High-net-worth individuals seeking extensive travel, lifestyle, and entertainment benefits with unlimited lounge access.