Base reward rate: 3 Avios per ₹200 (up to 6 Avios on international travel)
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.20
Fees & Charges
Joining fee: 10000
Annual fee: 5000
Pros
Flexibility to choose between multiple airlines
Accelerated reward points on preferred travel destination
Bonus Avios points via renewal and milestone benefits
Direct discount on flight bookings
Complimentary lounge access with no minimum spend requirement
Complimentary guest lounge access included
Cons
Extremely high forex markup of 3.5%, which significantly diminishes the value of rewards earned on international transactions and is uncompetitive for a premium travel card.
Lounge access is limited for its segment, offering only 2 domestic and 2 international (Priority Pass) visits per quarter, whereas competing cards often provide unlimited access.
Offers a very poor reward rate of just 1 Avios per ₹200 on essential categories like Utilities, Government services, Education, and Insurance.
Lacks common lifestyle benefits expected in the Visa Infinite category, such as complimentary golf rounds, premium dining memberships, or buy-one-get-one movie ticket offers.
The annual fee of ₹5,000 is not accompanied by a stated spend-based waiver option, making it a fixed recurring cost from the second year.
Best Use Case
Frequent international travelers who prioritize earning Avios for flight and hotel redemptions, especially those with high spending on Qatar or British Airways.