○ Data not yet verified
💰
Annual Fee
₹1,499
🎁
Reward Type
Points
🌍
Forex
3.5%
✈️
Lounge
4 dom · 0 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹1,499
Annual Fee₹1,499(waived ≥ ₹2,00,000)
Min Monthly Income₹50,000
Rewards
Reward TypePoints
Base Rate1%
Point Value₹0.25/point
Category Multipliers
travel3%wellness5%(cap ₹1,000)
Redemption Values
vouchers₹0.25/pt
statement credit₹0.2/pt
Travel & Global
Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkVisa
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
💡 Fee Waiver Strategy
Spend ₹2L to waive fee.
⚖️ Breakeven Analysis
To recover the ₹1,499 annual fee at the base reward rate of 1%, you need to spend ₹1,49,900 annually.
🎯 Pro Tips
- ▸5X on wellness spends (gyms, spas, health apps)
- ▸Complimentary spa access at select hotels
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹1,501
Effective Rate
0.1%
Ranked #144 of 173 cards#144
₹1,499 annual fee deducted from gross rewards value.
📊 Spending Scenarios - Real-World Returns
Wellness Spender (₹40K/mo)
Monthly: ₹40,000 · Annual: ₹4,80,000
1.5%
Effective Return
other: ₹12,000/motravel: ₹8,000/moshopping: ₹12,000/mowellness: ₹8,000/mo
Annual Rewards Value₹7,200
After Fee (₹1,499)+₹5,701
5X on wellness, 3X on travel, 1X on rest.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Gift VouchersBEST | ₹0.25/pt | 4000 pts = ₹1000 voucher | Shopping |
🏷️ Best For
lifestyletravel