Verified value
₹0.25 per point
Headline redemption
Should you get this?
Conditional fit
Why this card
- Forex markup is listed as 0%.
- You travel frequently and will use the lounge benefits.
Trade-off
Annual fee waiver isn't clearly documented.
Annual fee ₹5,999 per year
Rewards 5 pts / ₹150
Lounge access 4 domestic + 4 international visits / quarter
Forex markup 0% zero forex
Compare with Standard Chartered Bank India Ultimate →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend5 pts / ₹150——
Annual fee break-even math
When does this card pay for itself ₹7.2L
Conservative yearly spend needed at the ₹0.25-per-point ranking floor.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getBase earn
5 points per ₹150 (~0.833% base (conservative redemption))
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Lounge access spend gate₹20,000monthLounge eligibilityreasonablestrong
Watch outs
Before choosing this card- Annual fee is ₹5,999, so value depends on actual usage.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,670 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)
- 4 per quarter — via · verified 6 Jul 2026 Condition: ₹20,000 spend in the previous month
2 sources agree · verify issuer terms before applying
Where to verify
- Operator-verified anchor
- PaisaBazaar
- International (cardholder)
- 4 per quarter — via · verified 6 Jul 2026 Condition: ₹20,000 spend in the previous month
2 sources agree · verify issuer terms before applying
Where to verify
- Operator-verified anchor
- PaisaBazaar
- Guest access
- 1 per quarter
- Guest access
- Guests: paid access
Rewards
- Points per ₹150
- 5 points per ₹150 · verified 18 Jul 2026 value depends on redemption
- Effective return (honest floor)
- ~0.833% base (conservative redemption) · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.25 per Reward Point (Headline redemption) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
- Point validity
- Points expire 2 years after earning · verified 7 Jul 2026
Redemption value
- You earn
- Reward Points
- Redemption
- ₹0.25 per Reward Point · verified 5 Jul 2026
Insurance Cover
- Air accident cover
- ₹1 crore · verified 5 Jul 2026
- Personal accident cover
- ₹10 lakh · verified 5 Jul 2026
- Lost card liability cover
- ₹50,000 · verified 5 Jul 2026
- Underwriter
- Insured by New India Assurance · verified 7 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 3.85% / month
- Annual fee
- ₹5,999
- Joining fee
- ₹5,999
- Interest-free period
- Up to 45 days · verified 7 Jul 2026
International Use
- Forex markup
- 0%
4 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- CardExpert
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- 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: ₹5,999.
- Forex markup currently listed at 0%.
- 4 per quarter domestic lounge · 4 per quarter international.
Common questions
From verified card factsIs this good for lounge access?
4 domestic + 4 international lounge visits/quarter. 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.
- DreamFolks
₹20k spend gate, domestic vs international - Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog