Base reward rate: 2 pts/₹100 on eligible domestic retail, 5 pts/₹100 on eligible travel purchases
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 3000
Annual fee: 3000
Pros
Features a 0% foreign currency markup fee, a standout benefit offering significant savings over the typical 2-3.5% + GST charged by most competing cards.
The ₹3,000 joining fee is immediately offset by a ₹3,000 MakeMyTrip welcome voucher, making the first year's cost neutral.
Offers a strong milestone benefits ladder, including up to 25,000 bonus points and a ₹10,000 voucher (from brands like Taj, Amazon, MMT) for annual spends reaching ₹7.5 lakhs.
Provides complimentary Priority Pass membership with 2 free international lounge visits annually, a valuable perk for overseas travel.
Includes a premium golf benefit rare for this fee segment: 4 complimentary golf rounds and 12 complimentary golf lessons per year.
Cons
The annual fee of ₹3,000 is not waivable based on spending, a significant drawback compared to other cards in this segment that typically offer a fee waiver.
The rewards program has a highly restrictive and confusing exclusion list that includes 'Airlines' and 'Hotels', directly contradicting the card's 5x travel reward benefit and creating uncertainty on earnings.
Best Use Case
Frequent international travelers seeking zero forex markup, lounge access, and travel-specific benefits.