Base reward rate: Up to 30 pts/₹100 on Air India flights, 4 pts/₹100 on other spends.
Redemption options: Air India Air Mile
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 4999
Annual fee: 4999
Pros
Exceptional accelerated reward rate of 30 points per ₹100 on Air India bookings for self, making it highly valuable for frequent flyers of the airline.
Strong welcome bonus of 20,000 Reward Points upon payment of the joining fee, which significantly offsets the initial cost of ₹4,999.
Lucrative milestone program that rewards high spenders with up to 100,000 bonus points annually (20k points at ₹5L, 30k at ₹10L, and 50k at ₹20L spends).
Good domestic travel perk with 8 complimentary lounge visits per year (max 2 per quarter) through the Visa Infinite program.
Solid base reward rate of 4 points per ₹100 on all other spending, which is competitive for a co-branded travel card.
Provides complimentary golf lessons and access to exclusive dining experiences, adding lifestyle value beyond just travel.
Complimentary lounge access with no minimum spend requirement
Cons
Despite providing a Priority Pass membership, all international lounge visits are chargeable at up to $27 per visit, a significant omission for a premium travel card at this fee level.
Annual fee of ₹4,999 requires ₹49,990+ annual spend to justify
Annual fee of ₹4,999 requires ₹49,990+ annual spend to justify
The 1% fuel surcharge waiver is capped at a low maximum of ₹250 per statement cycle, which is restrictive for a card targeting high-income individuals.
Best Use Case
Frequent Air India flyers seeking accelerated rewards, lounge access, and comprehensive travel benefits.