Point value
Not published by issuer — varies by redemption
Should you get this?
Conditional fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is listed as 0%.
- You use airport lounges often.
Trade-off
Annual fee waiver isn't clearly documented.
Annual fee ₹50,000 per year
Rewards 7.5 pts / ₹100
Lounge access ∞ unlimited domestic
Forex markup 0% zero forex
Compare with ICICI Bank Emeralde →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend7.5 pts / ₹100——
Annual fee break-even math
When does this card pay for itselfAnnual fee is ₹50,000. 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 getBase earn
7.5 points per ₹100
Costs & fees
Watch outs
Before choosing this card- Annual fee is ₹50,000, so value depends on actual usage.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~3,750 pts/month (base earn · uses base/general earn rate)
- Fee waiver conditions unclear — verify
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited — via Axis Bank lounge programme · verified 6 Jul 2026
8 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- BankBazaar
- Issuer site (verify current terms) , opens external site
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Unlimited — via Requires Priority Pass card
8 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- BankBazaar
- Issuer site (verify current terms) , opens external site
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- Guest access
- 12 per year
- Guest access
- 12 per year
Rewards
- Points per ₹100
- 7.5 points per ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 1.5% / month
- Annual fee
- ₹50,000 (verify with issuer)
- Joining fee
- ₹50,000
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 0%
4 sources agree · verify issuer terms before applying
Where to verify
- Product tier
- Super-premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
- Maximum waiver ₹400 per statement cycle.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹50,000.
- Forex markup currently listed at 0%.
- Unlimited domestic lounge · Unlimited international.
Common questions
From verified card factsIs this good for lounge access?
Unlimited domestic lounge + Unlimited international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 0%, which can be useful for international spends if the annual fee and usage pattern still make sense.
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?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Learn more
Guides matched to this card — not a random syllabus.
- Priority Pass
Membership, visits and issuer rules - EDGE Rewards
Miles vs points under one programme - Forex markup bands
0% vs 3.5% — which cards publish what