Base reward rate: 4 pts/₹100 on general spends, 12 pts/₹100 on dining & travel
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 9000
Annual fee: 7500
Pros
Strong welcome bonus of 40,000 reward points on spending ₹50,000 within 90 days, which can offset the joining fee.
Accelerated 3X reward rate on key categories, earning 12 reward points per ₹100 spent on all travel and dining.
Significant entertainment value with a monthly 'Buy 1, Get 1' movie ticket offer providing up to ₹500 off, totaling a potential annual saving of ₹6,000.
Exclusive premium hotel benefits, including a complimentary HoteLux Membership and a 2+1 complimentary night stay offer at participating ITC Hotels.
The annual fee of ₹7,500 is waived on achieving a reasonable annual spend threshold of ₹8.0 Lakhs.
Offers a range of lifestyle perks including 4 complimentary golf rounds/lessons annually and a 1+1 dining offer at signature ITC restaurants.
Cons
Lounge access is very limited for a premium card, offering only 2 domestic visits per quarter and 4 international visits per year, which is significantly lower than the unlimited access offered by competitors in this fee segment.
The high foreign exchange markup fee of 2.50% makes the card costly for international spending, undermining its value as a travel card.
The value of the high reward earn rate is diminished by a low redemption value, especially when converting points to statement credit.
The milestone benefit is modest, offering only 10,000 reward points on a high annual spend of ₹5 lakh.
Best Use Case
High-net-worth individuals who frequently travel, dine out, and seek premium lifestyle benefits.