Base reward rate: Up to 10 pts/₹100 on dining, grocery, departmental stores; 2 pts/₹100 on other spends.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 4999
Annual fee: 4999
Pros
Strong Milestone Rewards: Earn up to 50,000 bonus points (worth ₹12,500 as statement credit) by meeting annual spending milestones at ₹3L, ₹4L, ₹5L, and ₹8L.
High-Value Monthly Entertainment Perk: Receive complimentary movie tickets worth ₹6,000 annually (distributed as ₹500 per month), a tangible benefit that significantly offsets the card's fee.
Superior International Lounge Access: Provides 6 complimentary Priority Pass visits per year, exceeding the typical 2-4 visits offered by other cards in this fee segment.
Low Foreign Currency Markup Fee: Features a competitive 1.99% forex markup, which is substantially lower than the industry standard of 3.5%, offering savings on international transactions.
Accelerated Rewards on Daily Spends: Earn an effective 2.5% return (10 points per ₹100) on common spending categories like Dining, Grocery, and Departmental Stores.
Valuable Welcome Benefit: The welcome e-gift voucher worth ₹5,000 directly compensates for the first year's joining fee of ₹4,999.
Complimentary guest lounge access included
Cons
Extremely Low Base Reward Rate: The standard earning of 2 points per ₹100 provides a return of only 0.5% (at ₹0.25/point), which is well below the 1-1.5% expected from a premium card.
Poor Redemption Value and Options: Lacks high-value transfer partners for airlines or hotels, with redemptions limited to statement credit at a low valuation of ₹0.25 per point.
Annual fee of ₹4,999 requires ₹49,990+ annual spend to justify
No Complimentary Guest Lounge Visits: Guest access to airport lounges is not complimentary, a feature often included with premium cards at this fee level.
Best Use Case
High-spending individuals seeking premium lifestyle benefits, accelerated rewards on dining, groceries, and departmental stores, and extensive travel perks.