Base reward rate: 1 pt/₹100 (domestic), 3 pts/₹100 (international)
Redemption options: cash
Redemption value: 1 Pt = ₹0.75
Fees & Charges
Joining fee: 25000
Annual fee: 5000
Pros
Decent value against cashback redemption
Accelerated rewards on international spends
Complimentary Club Marriott and Tablet Plus membership
Up to 3 movie tickets every month
Inclusion of often restricted transactions in rewards program
Earns rewards on rental/real estate payments (0.7x rate)
Earns rewards on education fee payments (0.7x rate)
Cons
Uncompetitive base reward rate of just 1 point per ₹100 on domestic spends, which is significantly lower than other cards in the super-premium segment.
High foreign currency markup fee of 3.50%, which negates much of the benefit from the 3x international rewards and is uncompetitive for a travel-focused card.
Limited international lounge access with only 2 complimentary visits per quarter, falling short of the unlimited access typically offered by cards at this fee level.
Severely restricted reward redemption options with only one airline transfer partner (Krisflyer miles), offering poor flexibility for frequent flyers.
The joining fee of ₹25,000 is extremely high, creating a significant upfront cost barrier.
Best Use Case
High-net-worth individuals who frequently travel internationally, enjoy luxury dining, golf, and premium lifestyle benefits.