✓ Data refreshed weekly✓ Issuer-verified fields
💰
Annual Fee
₹10,000
🎁
Reward Type
Points
🌍
Forex
1.8%
✈️
Lounge
∞ dom · 999 intl
Full Spec Sheet
Normalized · VerifiedFees
Joining Fee₹10,000
Annual Fee₹10,000
Min Monthly Income₹2,00,000
Rewards
Reward TypePoints
Base Rate2.5%
Point Value₹0.5/point
Category Multipliers
weekend5%international5%
Redemption Values
flights₹0.5/pt
vouchers₹0.5/pt
statement credit₹0.3/pt
Travel & Global
Forex Markup1.8%
Domestic LoungeUnlimited ✓
Intl. Lounge999 visits/yr
Lounge NetworkPriority Pass
India-Specific
Fuel Surcharge✓ 1% waiver
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⚖️ Breakeven Analysis
To recover the ₹10,000 annual fee at the base reward rate of 2.5%, you need to spend ₹4,00,000 annually.
🎯 Pro Tips
- ▸Flat 2.5% reward rate is among the highest for a premium card
- ▸Unlimited domestic + international lounge access
📊 Spending Scenarios - Real-World Returns
Premium Spender (₹1L/mo)
Monthly: ₹1,00,000 · Annual: ₹12,00,000
3%
Effective Return
international: ₹30,000/motravel: ₹25,000/modining: ₹15,000/moshopping: ₹30,000/mo
Annual Rewards Value₹36,000
After Fee (₹10,000)+₹26,000
2.5% base, 5% on weekends & intl spend. Includes welcome vouchers worth ₹5000.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Flight BookingBEST | ₹0.50/pt | 10k pts = ₹5000 flight | Domestic flights |
| Gift Vouchers | ₹0.50/pt | 10k pts = ₹5000 voucher | Shopping |
🏷️ Best For
premiumtravelinternational