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Joining fee
₹3,500
Annual fee
₹5,000
No spend-based waiver
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓Milestone-driven: big bonus points at ₹1.9L and ₹4L
- ✓8 domestic lounge visits/yr
Watch out for
- !Taj voucher moved to ₹7L spend in Mar 2026
- !Amex acceptance gaps
- !No fee waiver
Rewards
| Everything else (base rate) | 1% | no cap |
No rewards on: Fuel, Bills & recharges, Insurance, Rent, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Milestone benefits
- 15,000 bonus points at ₹1.9L~₹7,500
- 10,000 bonus points at ₹4L (revised Mar 2026)~₹5,000
- ₹10,000 Taj voucher now needs ₹7L (from Mar 2026)~₹7,000
Travel & lounges
- Domestic lounge
- 8 / year
- International lounge
- None
Eligibility
- Salaried
- ₹50,000/month
- Self-employed
- ₹6,00,000/yr ITR
- Age
- 18+ years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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