Eligible spend
10 points per ₹150 on eligible spend
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
Welcome benefit details not verified
Card fees ₹50,000 to join From year 2 · ₹25,000 / year
Rewards 10 pts / ₹150 on domestic spend
Lounge access ∞ unlimited domestic + international
Forex markup 0% zero forex
Compare with Axis Bank Magnus →
Similar tier comparison
What it costs to get, and to keep
Joining vs renewalFirst year
₹50,000joining fee
From year 2
₹25,000renewal fee
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
Domestic spend10 pts / ₹150Credited as reward pointsNot stated
Show all 14 earning rules (13 more)
International spend5 pts / ₹150Credited as reward pointsNot stated
Education1 pt / ₹150Credited as reward pointsNot stated
FASTag1 pt / ₹150Credited as reward pointsNot stated
Gift cards1 pt / ₹150Credited as reward pointsNot stated
Government services1 pt / ₹150Credited as reward pointsNot stated
Insurance1 pt / ₹150Credited as reward pointsNot stated
IRCTC1 pt / ₹150Credited as reward pointsNot stated
Jewellery1 pt / ₹150Credited as reward pointsNot stated
Railways1 pt / ₹150Credited as reward pointsNot stated
Rent1 pt / ₹150Credited as reward pointsNot stated
Utilities1 pt / ₹150Credited as reward pointsNot stated
Vouchers1 pt / ₹150Credited as reward pointsNot stated
Wallet loads1 pt / ₹150Credited as reward pointsNot stated
Redemption value
What a Reward Point is worth
- Travel₹1 / pt
- Cash redemption value₹0.25 per Reward Point
When does this card pay for itself?
Rewards break-even estimate ₹15L
Conservative yearly spend needed at the ₹0.25-per-point ranking floor.
Best documented case: about ₹3.8L at ₹1 per point.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹0.25 per point
Cashback
No reward on
- Rent
- Education
- Government payments
- Insurance premiums
- +2 more
Realisation
Credited as reward points
Costs & fees
Watch outs
Before choosing this card- Annual fee is ₹25,000, 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 on domestic spend). Up to ~3,330 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹830 at the conservative redemption floor
- Annual-fee waiver not offered by issuer
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited · verified 6 Jul 2026
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- 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
- CardInsider
- PaisaBazaar
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- Guest access (domestic)
- 4 per year
- Guest access (international)
- Guests: paid access
Lounge network
Rewards
- Base earn
- 10 points per ₹150 value depends on redemption
- Effective return (honest floor)
- ~1.667% base at the cash-redemption floor; up to ~6.667% through documented travel redemption · verified 12 Jun 2026 Conservative redemption floor; best documented path is not ranked on.
- Cash redemption value
- ₹0.25 per Reward Point · 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
- ₹25,000
- Joining fee
- ₹50,000 · verified 10 Aug 2026
- Annual-fee waiver
- Not offered
- Interest-free period
- Up to 45 days · verified 7 Jul 2026
International Use
- Forex markup
- 0%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- 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 on transactions ₹200–₹5,000.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions: 6
These spends do not earn reward points.
Payments
- Rent
- Education
- Government payments
Financial
- Insurance premiums
- Wallet loads
International
- International transactions
Latest update
- Annual fee: ₹25,000.
- 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?
₹25,000 every year. The issuer does not offer an annual-fee waiver.
When do welcome benefits arrive?
Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.
Learn more
Guides matched to this card — not a random syllabus.
- DreamFolks
Network, issuer associations, domestic vs international - Forex markup
Why 3.5% can erase travel rewards - How reward rate works
Pts / ₹100 without the marketing fog