Base reward rate: Earn up to ₹27,000 White Pass annually on spending ₹12 lakhs, with no base reward rate.
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 3000
Annual fee: 3000
Pros
Offers a strong milestone-based reward system, providing an effective return of 2.25% (₹27,000 White Pass value on ₹12 Lakhs annual spend), which is high for this segment.
Provides good domestic travel benefits with 8 complimentary lounge visits annually (2 per quarter) without a minimum spend requirement.
The annual fee of ₹3,000 is waived on a relatively achievable spend of ₹5 Lakhs, making the card potentially free for moderate spenders.
Features a low-threshold welcome bonus, offering a ₹2,000 voucher for a spend of just ₹30,000 within the first 60 days.
Includes valuable protection features such as fraud insurance coverage up to ₹2.5 Lakhs and purchase protection up to ₹50,000.
Complimentary lounge access with no minimum spend requirement
Cons
Carries a high foreign exchange markup fee of 3.50%, which is uncompetitive for a premium card, as many peers offer rates around 2%.
Completely lacks complimentary air accident insurance cover (₹0), a standard and crucial benefit on premium cards in the ₹3,000 fee segment.
The included Priority Pass membership is only valid for one year, and the data does not specify any complimentary visits for the primary cardholder, diminishing its international travel value.
Best Use Case
High-net-worth individuals with significant annual spending who seek luxury brand vouchers, premium travel experiences, and exclusive lifestyle benefits.