Base reward rate: Earn up to 10 Reward Points per ₹150 (approx. 3.53% value) on general spends, with significantly higher rates on app-based travel bookings.
Redemption options: other, travel_bookings
Redemption value: 1 Pt = ₹0.50
Fees & Charges
Joining fee: 5999
Annual fee: 5999
Pros
True zero forex markup of 0.00%, a standout travel benefit offering significant savings over the typical 1.5%-3.5% fee charged by competing premium cards.
High-value entertainment perk with a 'Buy 1 Get 1' offer on movie tickets up to ₹500, usable twice a month, translating to a potential annual benefit of ₹12,000.
Comprehensive lounge access program including 4 domestic visits per quarter (with one complimentary guest visit), 4 international Dreamfolks visits per quarter, and 4 railway lounge visits per quarter.
Earns 3 Reward Points per ₹150 on typically excluded categories like rent, wallet loads, and government payments, where many competing cards offer zero rewards.
Strong golf program offering up to 24 complimentary rounds or lessons annually (2 per month), unlocked on achieving monthly spend thresholds of ₹20,000 and ₹40,000.
Complimentary guest lounge access included
Cons
Annual fee of ₹5,999 requires ₹59,990+ annual spend to justify
The base reward rate peaks at 1.67% (10 RP per ₹150 on monthly spends above ₹20,000), which is below the 2-4% effective return expected from cards in this premium fee segment.
Key premium benefits are conditional; lounge access requires a minimum quarterly spend of ₹20,000, and golf access requires monthly spends of ₹20,000-₹40,000, reducing their guaranteed value.
Weak milestone program offering a maximum of 15,000 reward points (valued up to ₹8,000) on a high annual spend of ₹15 Lakh, which is an underwhelming additional return of ~0.53% for high spenders.
Best Use Case
High-net-worth individuals seeking premium travel, lifestyle, and luxury benefits with zero forex markup.