Eligible spend
6 points per ₹100 on eligible spend
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 when eligible annual spend exceeds ₹10,00,000.
Annual fee ₹12,000 per year
Rewards 6 pts / ₹100
Lounge access ∞ unlimited domestic + international
Forex markup 2% low
Compare with Axis Bank Burgundy Private →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend6 pts / ₹100Credited as reward pointsDoes not earn on Not stated
- fuel
How to avoid the annual fee
Spend threshold for waiver Above ₹10L annual eligible spend required for the waiver
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 getPoint value
Not published by issuer — varies by redemption
No reward on
- Fuel
Realisation
Credited as reward points
Reported reward terms
Evidence · not used in rates or comparisonsReported category terms
- Utilities
- 1 point per ₹100Domestic & international
Reported by secondary sources · verify with issuer2 other sources
Evidence only · excluded from decisions
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹10,00,000yearAnnual fee waiver
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 spend above ₹10,00,000 annually.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ~3,000 pts/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 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 Unlimited domestic lounge access
Issuer documented · corroborating sources · 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)
- Unlimited
Issuer documented · corroborating sources · 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 · verified 3 Sept 2026
- Fee waiver spend
- Above ₹10,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹10,00,000.
- Interest-free period
- Up to 48 days · verified 7 Jul 2026
- Late-payment charge
- ₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 2%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- ICICI official page
- CardInsider
- PaisaBazaar
- 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.
- 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
Latest update
- Annual fee: ₹12,000.
- Forex markup currently listed at 2%.
- 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 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 above ₹10,00,000 annual spend. Verify eligible spend exclusions before counting 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