Verified value
₹0.25 per point
Cashback
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 10 pts / ₹150
Lounge access ∞ unlimited domestic
Forex markup 0% zero forex
Compare with Axis Bank Burgundy Private →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend10 pts / ₹150——
Rent Education3 pts / ₹150——
Insurance1 pt / ₹150——
Redemption value
What a Reward Point is worth
- Travel₹1 / pt
- Cashback₹0.25 / pt
Annual fee break-even math
When does this card pay for itself ₹30L
Conservative yearly spend needed at the ₹0.25-per-point ranking floor.
Best documented case: about ₹7.5L at ₹1 per point.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getBase earn
10 points per ₹150
(~1.667% base, up to 6.667% via transfers)
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: Based on the standard earn rate (10 pts / ₹150). ~3,330 pts/month. Category and partner bonuses aren't included in this estimate.
- 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 · verified 6 Jul 2026
4 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Unlimited — via
4 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- Guest access
- 4 per year
- Guest access
- Guests: paid access
Rewards
- Base earn
- 10 points per ₹150 value depends on redemption
- Effective return (honest floor)
- ~1.667% base, up to 6.667% via transfers · verified 12 Jun 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.25 per Reward Point (Cashback) · verified 12 Jun 2026 Operator-verified headline rate — full channel grid in Redemption value.
- Point validity
- Points expire 2 years after earning · verified 7 Jul 2026
Insurance Cover
- Air accident cover
- ₹2.5 crore · verified 5 Jul 2026
- Personal accident cover
- ₹10 lakh · verified 5 Jul 2026
- Lost card liability cover
- ₹5 lakh · verified 5 Jul 2026
- Underwriter
- Insured by New India Assurance · verified 7 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 0.75% / month
- Annual fee
- ₹50,000 (verify with issuer)
- Joining fee
- ₹50,000
- Interest-free period
- Up to 45 days · verified 7 Jul 2026
International Use
- Forex markup
- 0% (verify with issuer)
2 sources agree · verify issuer terms before applying
Where to verify
- 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: ₹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.
- 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