Eligible spend
2 points per ₹100 on eligible spend
Should you get this?
Conditional fit
Why this card
- Forex markup is low at 1.99%.
- Up to 10 pts / ₹100 on Dining Departmental Grocery
- You travel frequently and will use the lounge benefits.
Trade-off
The annual fee (₹4,999) is waived only when eligible annual spend exceeds ₹10,00,000.
Annual fee ₹4,999 per year
Rewards 2 pts / ₹100 base
Lounge access 8 domestic + 6 international visits / year
Forex markup 1.99% low
Compare with AU Small Finance Bank Zenith+ →
Similar lounge profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 pts / ₹100Credited as reward points—
Dining Departmental Grocery10 pts / ₹100Credited as reward points10,000 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend; then 2 pts / ₹100 base
Redemption value
What a Reward Point is worth
- Cash redemption value₹0.25 per Reward Point
When does this card pay for itself?
Rewards break-even estimate ₹10L
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 getVerified value
₹0.25 per point
Cashback
Best verified lane
Dining Departmental Grocery
10 pts / ₹100
View bonus categories →Caps
- Dining Departmental Grocery10,000 points per calendar month
Why?
at 10 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend; then 2 pts / ₹100 base
Realisation
Credited as reward points
Reported reward terms
Evidence · not used in rates or comparisonsReported category terms
- Dining · Grocery
- 5 points per ₹150Domestic & international
Reported by secondary sources · verify with issuer1 other source
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- Fee waiver requires spend above ₹10,00,000 annually.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (2 pts / ₹100). Up to ~1,000 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹250 at the conservative redemption floor
- 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)
- 8 per year — via Visa lounge programme · verified 6 Jul 2026
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- PaisaBazaar
- BankBazaar
- Issuer site (verify current terms) , opens external site
- Operator-verified anchor
- International (cardholder)
- 6 per year Requires Priority Pass card · USD 27 plus applicable taxes per visit after complimentary visits are exhausted.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- PaisaBazaar
- BankBazaar
- Issuer site (verify current terms) , opens external site
- Operator-verified anchor
- Guest access
- Guests: paid access
Rewards
- Base earn
- 2 points per ₹100 value depends on redemption
- Effective return (honest floor)
- ~0.5% base (conservative redemption) Conservative redemption floor; best documented path is not ranked on.
- Cash redemption value
- ₹0.25 per Reward Point Issuer headline channel — full channel grid in Redemption value.
- Point validity
- Points expire 2 years after earning
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹4,999
- Joining fee
- ₹4,999 · 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 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 1.99%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- BankBazaar
- Issuer site (verify current terms) , opens external site
- Operator-verified anchor
- 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 refreshCaps & limits
- Dining Departmental Grocery cap: 10,000 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend.
- After the Dining Departmental Grocery cap is reached, further spends earn the base rate.
Latest update
- Annual fee: ₹4,999.
- Forex markup currently listed at 1.99%.
- 8 per year domestic lounge · 6 per year international.
Common questions
From verified card factsIs this good for lounge access?
8 domestic + 6 international lounge visits/year. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 1.99%, 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.
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.
- 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