Eligible spend
3 Travel Credits per ₹150 on eligible spend
Should you get this?
Conditional fit
Why this card
- Published base rewards of 3 Travel Credits / ₹150.
- Published lounge access: 2 per quarter.
Trade-off
Annual fee waiver isn't clearly documented.
Annual fee ₹5,000 per year
Rewards 3 Travel Credits / ₹150
Lounge access 2 per quarter
Forex markup 3.5% high
Compare with AU Small Finance Bank Zenith →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend3 Travel Credits / ₹150Credited as reward pointsDoes not earn on Not stated
- cash advance
- emi
- fuel
- insurance
- utility
Annual fee in context
Annual fee is ₹5,000. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
No reward on
- Fuel
- EMI
- Insurance premiums
- Cash transactions
- +1 more
Realisation
Credited as reward points
Costs & fees
Eligibility
Applicant class · age · incomeReported criteria · as stated by sources
Self-employed applicant
- Annual personal income
- Above ₹6,00,000
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward point value isn't clearly documented yet, so overall returns may vary.
- Annual fee is ₹5,000, so value depends on actual usage.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ~1,000 Travel Credits/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
- We can estimate the points earned, but not a verified ₹ value yet.
- Fee waiver conditions unclear — verify
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 2 per quarter — via American Express lounge programme · verified 6 Jul 2026
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- International (cardholder)
- Not included on base card No international lounge access.
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Guest access (domestic)
- Guests: paid access
- Guest access (international)
- Guests: paid access
Rewards
- Points per ₹150
- 3 Travel Credits per ₹150 value depends on redemption
Fees & charges
Fees
- First-year cost
- ₹5,000 · verified 4 Sept 2026
- Annual fee
- ₹5,000
- Interest-free period
- Up to 48 days
International Use
- Forex markup
- 3.5% (verify with issuer)
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Product tier
- Premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions of ₹5,000+.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn reward points.
Financial
- Fuel
- EMI
- Insurance premiums
- Cash transactions
Utilities
- Utilities
Latest update
- First-year cost: ₹5,000.
- Annual fee: ₹5,000.
- Forex markup currently listed at 3.5%.
- 2 per quarter domestic lounge.
Common questions
From verified card factsIs this good for lounge access?
2 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Value depends on usage and waiver terms. GST may apply on the annual fee.
When do welcome benefits arrive?
Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.
Learn more
Guides matched to this card — not a random syllabus.
- Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog - Welcome benefits
Free isn’t free if you miss the milestone