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
Verify current lounge list
Card fees ₹50,000 to join From year 2 · ₹25,000 / year
Rewards 10 pts / ₹150
Lounge access ∞ unlimited domestic + international
Forex markup 0% zero forex
Compare with Axis Bank Burgundy Private →
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 pointsDoes not earn on Not stated
- education
- gift card
- government
- insurance
- jewellery
- railway
- rent
- toll
- utility
- wallet load
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). 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.
Learn more
Guides matched to this card — not a random syllabus.
- DreamFolks
Network, issuer associations, domestic vs international - Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog