Base reward rate: Flat 3.33% effective reward rate on most spends, 2% on select categories, and 5% cashback on Duty Free.
Redemption options: Vouchers
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 5000
Annual fee: 5000
Pros
Excellent flat reward rate of 3.33% (5 points per ₹150, with 1 point = ₹1), which is significantly above the industry average for premium cards.
The ₹5,000 annual fee is effectively nullified by 5,000 renewal reward points (worth ₹5,000), and the joining fee is covered by a 6,000 point welcome bonus (worth ₹6,000).
Earns a 2% reward rate (3 points per ₹150) on categories often excluded by other cards, such as insurance premiums, utilities, and government payments.
Superior golf privileges including 1 complimentary golf game and 1 coaching session every month at select domestic courses.
Generous lounge access with 16 domestic visits (4 per quarter) and 12 international visits (1 per month) annually.
Provides a monthly Buy-One-Get-One movie ticket offer on BookMyShow, capped at ₹200 per transaction.
Earns rewards on insurance premium payments (3 reward points for every Rs. 150 spent rate)
Cons
Complete absence of airline mile transfer partners, a critical feature for a premium travel card, limiting redemption options to vouchers and merchandise.
International lounge access is highly restrictive, being capped at 1 visit per month and requiring a minimum spend of ₹20,000 in the previous calendar month to qualify.
No option for a spend-based waiver of the ₹5,000 annual fee, a common feature offered by competing cards in this segment.
The Hilton Honors Gold Status is not a direct benefit but a 'fast-track' offer, requiring a 4-night stay to be activated, which diminishes its value.
Best Use Case
High-net-worth individuals seeking a premium card with a high flat reward rate, extensive travel benefits, and luxury lifestyle perks.