Base reward rate: Earn 5X reward points (2.65% value) on monthly spends up to ₹20,000, and 10X reward points (5.3% value) on spends above ₹20,000 and on birthdays. Get 3X points (1.59% value) on rent, education, wallet loads, and government spends (above ₹2,000 via FIRST Digital Credit Card).
Redemption options: other, travel bookings
Redemption value: 1 Pt = ₹0.50
Fees & Charges
Joining fee: 5999
Annual fee: 5999
Pros
Zero forex markup fee
High frequency of complimentary domestic and international lounge access
Free trip cancellation protection of up to Rs. 50,000
3X reward points on rent, wallet loads, education, and government payments
Earns rewards on rental/real estate payments (3X reward points on spends worth Rs. 2,000 or more made via FIRST Digital Credit Card rate)
Earns rewards on education fee payments (3X reward points on spends worth Rs. 2,000 or more made via FIRST Digital Credit Card rate)
Complimentary guest lounge access included
Cons
Annual fee of ₹5,999 requires ₹59,990+ annual spend to justify
Access to key premium perks is conditional on spending. A minimum quarterly spend of ₹20,000 is required to unlock the complimentary lounge access.
The milestone program is weak for its segment, offering a maximum return of only ~0.53% (15,000 points worth ₹8,000 on ₹15 Lakh spend).
The reward structure is complex and the base reward rate is low, offering only 1X points on spends below ₹2,000, as well as on all utility and insurance payments.
Best Use Case
High-net-worth individuals who frequently travel, play golf, and seek premium lifestyle benefits with zero forex markup.