Verified value
₹0.2 per point
Headline redemption
Should you get this?
Conditional fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is low at 1.5%.
- You use airport lounges often.
Trade-off
The annual fee (₹50,000) is waived only after ₹35,00,000 of eligible annual spend.
Annual fee ₹50,000 per year
Rewards 7.5 pts / ₹100
Lounge access ∞ unlimited domestic
Forex markup 1.5% moderate
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 itself ₹33.3L
Conservative yearly spend needed at the ₹0.20-per-point ranking floor.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getBase earn
7.5 points per ₹100 (~1.5% base (conservative redemption))
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹35,00,000yearAnnual fee waiverbehavior distortingstrong
Watch outs
Before choosing this card- Annual fee is ₹50,000, so value depends on actual usage.
- Fee waiver requires ₹35,00,000 annual spend.
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 unlikely at this spend
- Forex cost ~₹750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited
9 sources agree · verify issuer terms before applying
Where to verify
- Axis official page
- CardInsider
- BankBazaar
- CreditCardz
- CardExpert
- Issuer site (verify current terms) , opens external site
- Issuer site (verified manually) , opens external site
- International (cardholder)
- Unlimited — via Requires Priority Pass card
9 sources agree · verify issuer terms before applying
Where to verify
- Axis official page
- CardInsider
- BankBazaar
- CreditCardz
- CardExpert
- Issuer site (verify current terms) , opens external site
- Issuer site (verified manually) , opens external site
- Guest access
- 12 per year
Rewards
- Points per ₹100
- 7.5 points per ₹100 value depends on redemption
- Effective return (honest floor)
- ~1.5% base (conservative redemption) · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.20 per Reward Point (Headline redemption) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Redemption value
- You earn
- Reward Points
- Redemption
- ₹0.20 per Reward Point · verified 5 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 3% / month
- Annual fee
- ₹50,000
- Joining fee
- ₹50,000
- Fee waiver spend
- ₹35,00,000 · verified 10 Jun 2026 Above catalog median waiver (₹2,00,000 vs ₹35,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 1.5%
3 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- CardExpert
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- 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 1.5%.
- 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 1.5%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Fee waiver applies at ₹35,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹10,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
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