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Joining fee
₹12,500
Annual fee
₹12,500
Waived on ₹25,00,000/yr spend
Forex mark-up
2%
+ 18% GST on the mark-up
Why people pick it
- ✓12 points/₹200; 35 points/₹200 above ₹1.5L monthly spend
- ✓Unlimited domestic lounge
- ✓2% forex
Watch out for
- !Points transfer at 5:2 for non-Burgundy
- !Fee waiver needs ₹25L/yr
- !Lost key transfer partners in 2026
Rewards
| Everything else (base rate) | 1.8% | 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.
Travel & lounges
- Domestic lounge
- Unlimited
- International lounge
- 8 / year
- Spend condition
- ₹50,000 per quarter
Eligibility
- Salaried
- ₹2,00,000/month
- Self-employed
- ₹24,00,000/yr ITR
- Age
- 18–70 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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