○ Data not yet verified
💰
Annual Fee
₹9,999
🎁
Reward Type
Points
🌍
Forex
1.99%
✈️
Lounge
8 dom · 4 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹9,999
Annual Fee₹9,999(waived ≥ ₹10,00,000)
Min Monthly Income₹2,00,000
Rewards
Reward TypePoints
Base Rate1.5%
Point Value₹0.25/point
Category Multipliers
dining5%(cap ₹5,000)travel5%(cap ₹5,000)
Redemption Values
flights₹0.5/pt
gift vouchers₹0.5/pt
statement credit₹0.25/pt
Milestones
Spend ₹5L in first 90 days10,000 bonus reward points (one-time)
Travel & Global
Forex Markup1.99%
Domestic Lounge8 visits/yr
Intl. Lounge4 visits/yr
Lounge NetworkVisa
Lounge Details
No minimum spend for domestic lounge access. International requires active card.
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
💡 Fee Waiver Strategy
Spend ₹10L/year to waive renewal. Joining fee offset by 5,000 welcome points.
⚖️ Breakeven Analysis
To recover the ₹9,999 annual fee at the base reward rate of 1.5%, you need to spend ₹6,66,600 annually.
🎯 Pro Tips
- ▸Use for dining and travel spend to earn 5x points - effectively 1.25% return.
- ▸Transfer points to Air India for better per-point value on premium cabin bookings.
- ▸Pair with SBI SimplyCash for everyday spend and Aurum for premium categories.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
-₹2,874
Effective Rate
-0.2%
Ranked #167 of 173 cards#167
₹9,999 annual fee deducted from gross rewards value.
📊 Spending Scenarios - Real-World Returns
Premium Spender (₹80k/mo)
Monthly: ₹80,000 · Annual: ₹9,60,000
1.88%
Effective Return
other: ₹20,000/modining: ₹20,000/motravel: ₹25,000/moshopping: ₹15,000/mo
Annual Rewards Value₹18,000
After Fee (₹9,999)+₹8,001
5x on dining+travel, 1.5% base on rest. Fee subtracted.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Flight RedemptionBEST | ₹0.50/pt | 10k pts = ₹5k flight | Flights |
| Statement Credit | ₹0.25/pt | 10k pts = ₹2.5k credit | Cash value |
🏷️ Best For
premiumtraveldining