Base reward rate: 2-4 Travel Credits per ₹200 spent (equivalent to 1-2 Travel Credits per ₹100)
Redemption options: Travel Bookings, Air Miles/ Hotel Loyalty Points, ‘Shop & Smile’ Product Catalogue
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 2999
Annual fee: 2999
Pros
Offers a strong lounge access package with 8 domestic and 4 international visits annually, further enhanced by 1 additional domestic visit for every ₹1 lakh spent.
Provides excellent redemption flexibility with a 1:1 transfer ratio to a wide range of airline and hotel partners, including Air India, Etihad, British Airways, Accor, and ITC Hotels.
Features a robust travel insurance suite, including up to 6 flight cancellation covers (₹3,500 each), loss of check-in baggage cover up to ₹72,000, and a ₹1 Crore air accident cover.
Rewards high spending with 10,000 bonus Travel Credits upon reaching ₹8 lakh in annual spends, on top of a 3,000 Travel Credit welcome bonus.
Earns an accelerated 4 Travel Credits per ₹200 spent on all travel bookings, equivalent to a 2% reward rate in its primary category.
Cons
Excludes a wide range of common spending categories from earning any rewards, including utility bills, insurance premiums, rent payments, and e-wallet loads.
The complimentary Priority Pass membership, required for international lounge access, is only valid for the first 2 years, significantly reducing the card's long-term value.
The annual fee waiver requires a high spend of ₹10 lakh, which is significantly steeper than other cards in the ~₹3,000 fee segment.
Offers a low base reward rate of just 2 Travel Credits per ₹200 (a 1% return) on all non-travel categories, making it uncompetitive for everyday spending.
Best Use Case
Frequent travelers seeking accelerated rewards on travel, extensive lounge access, and flexible redemption options.