Verified value
₹0.25 per point
Cashback
Should you get this?
Conditional fit
Why this card
- Forex markup is low at 1.99%.
- You travel frequently and will use the lounge benefits.
- You can comfortably spend ₹10,00,000 a year on the card.
Trade-off
The annual fee (₹4,999) is waived only after ₹10,00,000 of eligible annual spend.
Annual fee ₹4,999 per year
Rewards 2 pts / ₹100
Lounge access 8 domestic + 6 international visits / year
Forex markup 1.99% moderate
Compare with AU Small Finance Bank Zenith+ →
Similar lounge profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 pts / ₹100——
Redemption value
What a Reward Point is worth
- Cashback₹0.25 / pt
Annual fee break-even math
When does this card pay for itself ₹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 getBase earn
2 points per ₹100 (~0.5% base (conservative redemption))
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹10,00,000yearAnnual fee waiverextremestrong
Milestone spend₹15,000yearMilestone benefittrivialdirectional
Watch outs
Before choosing this card- Fee waiver requires ₹10,00,000 annual spend.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,000 pts/month (base earn · uses base/general earn rate)
- 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
4 sources agree · 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 — via · verified 6 Jul 2026 Requires Priority Pass card
4 sources agree · 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
- Points per ₹100
- 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.
- Headline point value
- ₹0.25 per Reward Point (Cashback) Issuer headline channel — full channel grid in Redemption value.
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹4,999
- Joining fee
- ₹4,999
- Fee waiver spend
- ₹10,00,000 Above catalog median waiver (₹2,00,000 vs ₹10,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 1.99%
3 sources agree · verify issuer terms before applying
Where to verify
- 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 refreshRedemption & expiry
Expiry:24 months
- Travel redemption: ₹99 redemption fee per redemption
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 at ₹10,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹5,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
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