← All cards
Joining fee
₹5,000
Annual fee
₹5,000
No spend-based waiver
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓2 EDGE Miles/₹100 on all spends
- ✓5X on direct airline & hotel bookings
- ✓Tier-based lounge & milestone miles
Watch out for
- !Transfer partners cut in Apr 2026 — miles are worth less
- !No fee waiver
- !3.5% forex
Rewards
| 5 EDGE Miles/₹100 on airlines & hotels (up to ₹2L/month) | 3.75% | no cap |
| Everything else (base rate) | 1.5% | no cap |
No rewards on: Fuel, Rent, Bills & recharges, Insurance, Education fees, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Milestone benefits
- 2,500 bonus miles at ₹3L~₹1,875
- 2,500 bonus miles at ₹7.5L~₹1,875
- 5,000 bonus miles at ₹15L~₹3,750
Travel & lounges
- Domestic lounge
- 8 / year
- International lounge
- 4 / year
- Spend condition
- ₹50,000 per quarter
Silver tier; more visits at Gold/Platinum tiers
Eligibility
- Salaried
- ₹1,00,000/month
- Self-employed
- ₹15,00,000/yr ITR
- Age
- 18–70 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
Is this the right card for you?
See what it would earn on your actual spends, ranked against every other card.
Find my best card →