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 low at 2%.
- You use airport lounges often.
Trade-off
The annual fee (₹12,000) is waived only after ₹10,00,000 of eligible annual spend.
Annual fee ₹12,000 per year
Rewards 6 pts / ₹100
Lounge access ∞ unlimited domestic
Forex markup 2% high
Compare with Axis Bank Burgundy Private →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend6 pts / ₹100——
Annual fee break-even math
When does this card pay for itself ₹10L yearly spend to waive the annual fee
Annual fee is ₹12,000. 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
6 points per ₹100
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹10,00,000yearAnnual fee waiverextremestrong
Watch outs
Before choosing this card- Reward point value isn't clearly documented yet, so overall returns may vary.
- Annual fee is ₹12,000, so value depends on actual usage.
- Fee waiver requires ₹10,00,000 annual spend.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~3,000 pts/month (base earn · uses base/general earn rate)
- Fee waiver unlikely at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited · verified 6 Jul 2026
6 sources agree · verify issuer terms before applying
Where to verify
- ICICI official page
- CardInsider
- PaisaBazaar
- BankBazaar
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Not included International details not available.
6 sources agree · verify issuer terms before applying
Where to verify
- ICICI official page
- CardInsider
- PaisaBazaar
- BankBazaar
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
Rewards
- Points per ₹100
- 6 points per ₹100 value depends on redemption
Insurance Cover
- Air accident cover
- ₹3 crore · verified 6 Jul 2026
- Lost card liability cover
- ₹50,000 · verified 6 Jul 2026
- Underwriter
- Insured by ICICI Lombard General Insurance Company Limited · verified 7 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹12,000
- Joining fee
- ₹12,000
- Fee waiver spend
- ₹10,00,000 Above catalog median waiver (₹2,00,000 vs ₹10,00,000).
- Interest-free period
- Up to 48 days · verified 7 Jul 2026
International Use
- Forex markup
- 2%
3 sources agree · verify issuer terms before applying
Where to verify
- ICICI official page
- CardInsider
- PaisaBazaar
- Issuer site (verify current terms) , opens external site
- Product tier
- Super-premium
Travel & perks
Fuel Benefits
At the pumpNo verified fuel benefit available.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹12,000.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge.
Common questions
From verified card factsIs this good for lounge access?
Unlimited domestic lounge access. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 2%, 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 ₹10,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹5,000 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.
- 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