Base reward rate: Earn 2 pts/₹100 on most spends, 10 pts/₹100 on dining, movies, groceries, and departmental stores.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.50
Fees & Charges
Joining fee: 2999
Annual fee: 2999
Pros
Strong accelerated rewards on everyday spending, offering 10 points per ₹100 (a 2.5% return rate) on Dining, Groceries, Movies, and Departmental Stores.
Valuable milestone benefits that can yield up to ₹11,000 in vouchers annually: a ₹1,000 Pizza Hut voucher for quarterly spends of ₹50,000, and a ₹7,000 Yatra/Pantaloons voucher for annual spends of ₹5 Lakh.
The ₹3,000 welcome e-gift voucher from brands like Yatra and Shoppers Stop effectively cancels out the first-year joining fee of ₹2,999.
Comprehensive lounge access program including 4 complimentary international visits per year via Priority Pass and 8 domestic visits per year (2 per quarter).
Premium lifestyle perks, notably 4 complimentary rounds of green fees access and one complimentary golf lesson per month at select courses in India.
The annual fee of ₹2,999 is waived on achieving a reasonable annual spend of ₹3 Lakh.
Complimentary lounge access with no minimum spend requirement
Cons
Extremely poor reward point redemption value of only ₹0.25 per point against statement credit, which significantly diminishes the value of earned rewards.
The base reward rate is a very low 0.5% (2 points per ₹100), making the card unrewarding for any spending outside of its specific accelerated categories.
Annual fee of ₹2,999 requires ₹29,990+ annual spend to justify
Lacks flexibility for travel-focused users as there are no options to transfer reward points to airline miles or hotel loyalty programs, a common feature in this card segment.
Best Use Case
Individuals who frequently spend on dining, movies, groceries, and departmental stores, and value travel perks like lounge access and hotel benefits.