Base reward rate: Up to 4 pts/₹100 on weekends, 2 pts/₹100 on weekdays
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 1000
Annual fee: 1000
Pros
Strong monthly milestone benefit of 1,000 bonus reward points for making 5 transactions of ₹1,000 or more each month.
Welcome bonus of 4,000 reward points, which effectively offsets the joining fee of ₹1,000 (assuming a redemption value of ₹0.25 per point).
Accelerated reward rate on weekends, offering 4 reward points per ₹100 spent, double the weekday rate.
Reasonable annual fee waiver condition, requiring a spend of ₹2.0 Lakhs in a year to waive the ₹1,000 fee.
Offers specific hotel and wellness benefits, including a 15% discount on spa services and special rates at Roseate Hotels & Resorts and ITC Welcome Heritage Group properties.
Cons
Complete absence of complimentary airport lounge access, a benefit commonly offered by other cards in the ₹1,000 fee segment.
The base reward rate on weekdays is very low at just 2 points per ₹100, translating to a poor value-back of approximately 0.5%.
The accelerated weekend reward benefit is severely limited by a monthly cap of 1,000 points, restricting the 4x earnings to the first ₹25,000 of weekend spends.
A wide range of common spending categories are excluded from earning rewards, including fuel, utilities, insurance, rent, and wallet loading.
High foreign currency markup fee of 3.50%, making it an expensive option for international transactions.
Best Use Case
Individuals who frequently spend on weekends and seek dining and hotel benefits.