Base reward rate: Earn 2 points/₹100 on general retail, up to 20 points/₹100 on utility bills and birthday spends.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 2999
Annual fee: 2999
Pros
Excellent accelerated rewards, offering a 20% rate (as 20 points per ₹100) on utility bill payments and birthday spends, and a 10% rate (10 points per ₹100) on dining, movies, and groceries.
Valuable milestone benefits that can provide up to ₹11,000 in vouchers annually, including a significant ₹7,000 e-voucher from Pantaloons/Yatra.com on achieving ₹5 lakh in annual spends.
Comprehensive lounge access program that includes 4 complimentary international Priority Pass visits per year, a premium feature not always standard at this fee level.
The ₹3,000 welcome e-gift voucher from brands like Shoppers Stop and Yatra.com directly offsets the ₹2,999 joining fee, making the first year effectively free.
Premium lifestyle perks including 4 complimentary rounds of green fees access at select golf courses and a complimentary Trident Privilege Red Tier Membership.
Complimentary lounge access with no minimum spend requirement
Cons
Annual fee of ₹2,999 requires ₹29,990+ annual spend to justify
Limited reward redemption options, lacking high-value airline or hotel transfer partners. The value for statement credit is typically low (1 point = ₹0.25), which significantly devalues the high earn rates.
The 1% fuel surcharge waiver is capped at a low ₹250 per month, which is exhausted on fuel spending of just ₹25,000.
Annual fee of ₹2,999 requires ₹29,990+ annual spend to justify
Best Use Case
Frequent travelers and lifestyle spenders who value accelerated rewards on dining, movies, and utilities, along with premium travel and golf benefits.