Base reward rate: Earn 3 reward points per Rs. 150 on monthly spends up to Rs. 20,000, accelerating to 10 reward points per Rs. 150 on incremental spends above Rs. 20,000. Specific categories like rent and education earn 3 points/Rs. 150, while insurance and utilities earn 1 point/Rs. 150.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 3000
Annual fee: 3000
Pros
Accelerated rewards on incremental spends; good for high-spenders
Base rewards on generally excluded categories like rent, education, wallet loads, etc.
Wide-ranging travel benefits like lounge access, zero forex mark-up fee and more
Movie discount of Rs. 500 per month via District by Zomato
Fuel surcharge waiver of up to Rs. 300 per month
Earns rewards on insurance premium payments (1 reward point per Rs. 150 rate)
Earns rewards on rental/real estate payments (3 reward points per Rs. 150 rate)
Cons
Key benefits are tied to spending conditions; for instance, domestic lounge access and golf rounds each require a minimum monthly spend of ₹20,000 to be unlocked.
The base reward rate is low for its segment, offering only 3 reward points per ₹150 on the first ₹20,000 of monthly spends.
The welcome bonus of a ₹500 voucher provides poor value, covering only about 17% of the ₹3,000 joining fee.
The annual fee waiver threshold is high, requiring a spend of ₹6.0L, which may be unachievable for moderate spenders in this card segment.
Best Use Case
High-spending individuals who travel frequently, value luxury hotel stays, and seek rewards on typically excluded categories like rent and education.