○ Data not yet verified
💰
Annual Fee
₹2,500
🎁
Reward Type
Points
🌍
Forex
2%
✈️
Lounge
6 dom · 3 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹2,500
Annual Fee₹2,500(waived ≥ ₹3,00,000)
Min Monthly Income₹1,20,000
Rewards
Reward TypePoints
Base Rate1.33%
Point Value₹0.5/point
Category Multipliers
smartbuy hotels26.6%(cap ₹7,500)smartbuy flights13.3%(cap ₹7,500)
Redemption Values
flights₹0.5/pt
hotel transfer₹0.5/pt
statement credit₹0.2/pt
Milestones
Spend ₹5L in a year10,000 bonus points (~₹5,000) (annually)
Spend ₹8L in a year15,000 bonus points (~₹7,500) (annually)
Travel & Global
Forex Markup2%
Domestic Lounge6 visits/yr
Intl. Lounge3 visits/yr
Lounge NetworkPriority Pass
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
💡 Fee Waiver Strategy
Spend ₹3L to waive renewal fee. SmartBuy utilisation is key.
⚖️ Breakeven Analysis
To recover the ₹2,500 annual fee at the base reward rate of 1.33%, you need to spend ₹1,87,970 annually.
🎯 Pro Tips
- ▸Use SmartBuy for 5x–10x points on flights/hotels
- ▸The OG premium card; Regalia Gold is its upgraded successor
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹5,480
Effective Rate
0.5%
Ranked #105 of 173 cards#105
₹2,500 annual fee deducted from gross rewards value.
📊 Spending Scenarios - Real-World Returns
Mid Spender (₹50K/mo)
Monthly: ₹50,000 · Annual: ₹6,00,000
1.33%
Effective Return
other: ₹15,000/modining: ₹5,000/motravel: ₹10,000/moshopping: ₹20,000/mo
Annual Rewards Value₹8,000
After Fee (₹2,500)+₹5,500
Base rate applied. SmartBuy users can push this to 3–4%.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| SmartBuy FlightsBEST | ₹0.50/pt | 4000 pts = ₹2000 flight discount | Domestic flights |
| Airmiles Transfer | 1:1 InterMiles | 10k pts = 10k InterMiles | Frequent flyers |
🏷️ Best For
travelshoppingpremium