2 free lounge visits per quarter in India & overseas
Airport Invitation services which include chauffeured pick-up and drop, personal lounge to clear Customs & Immigration
Club ITC Culinaire membership
MasterCard Epicurean Experiences
3 free golf games and lessons per month
Air Accident Cover of Rs. 2.5 crore
Cons
Uncompetitive Forex Markup Fee: Charges a high 3.50% forex markup, which is uncharacteristic for a premium travel card. Competing cards in this segment typically offer rates below 2%, making this card expensive for international use.
Highly Restrictive Lounge Access: Both domestic (2/quarter) and international (2/quarter) lounge visits are contingent on a minimum quarterly spend of ₹5.0 Lakhs. This is a major drawback, as unlimited, condition-free access is a standard expectation for cards in this fee bracket.
Low Base Reward Rate with Major Exclusions: The domestic reward rate of 1 point per ₹100 is significantly below the 2-3.3% effective return offered by competitors. The value is further diminished by excluding common high-spend categories like 'Utility Bill Payments', 'Insurance Premium Payments', and 'Rental Payments' from earning any rewards.
Excessive Fee Waiver Threshold: Requires an annual spend of ₹20 Lakhs to waive the ₹10,000 annual fee. This is a very high threshold compared to the industry standard for a fee of this amount, making the waiver difficult to achieve for many users.
Best Use Case
High-net-worth individuals who frequently travel internationally, enjoy luxury dining, golf, and seek exclusive lifestyle benefits.