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Annual Fee

₹4,999

Reward Type

Points

Forex

1%

Lounge

6 dom · 6 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹9,999
Annual Fee₹4,999(waived ≥ ₹10,00,000)
Min Monthly Income₹2,00,000

Rewards

Reward TypePoints
Base Rate2%
Point Value₹0.25/point

Category Multipliers

online4%

Redemption Values

flights₹0.25/pt

Travel & Global

Forex Markup1%
Domestic Lounge6 visits/yr
Intl. Lounge6 visits/yr
Lounge NetworkDreamfolks

India-Specific

Fuel Surcharge✓ 1% waiver

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AU Zenith+ (100%) →Axis Bank Burgundy Private (99%) →Axis Magnus for Burgundy (99%) →HDFC Diners Club Black (99%) →ICICI Emeralde Private (99%) →

💡 Fee Waiver Strategy

Spend ₹10L/year to waive ₹4,999 annual fee.

⚖️ Breakeven Analysis

To recover the ₹4,999 annual fee at the base reward rate of 2%, you need to spend ₹2,49,950 annually.

🎯 Pro Tips

  • ▸Unlimited lounge access for guest cards too.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹2,501

Effective Rate

0.2%

Ranked #131 of 173 cards#131

₹4,999 annual fee deducted from gross rewards value.

🏷️ Best For

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