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Joining fee
₹2,500
Annual fee
₹2,500
Waived on ₹4,00,000/yr spend
Forex mark-up
2%
+ 18% GST on the mark-up
Why people pick it
- ✓5 reward points per ₹200 (~1.25% value on flights/hotels via SmartBuy)
- ✓5X points on Nykaa, Myntra, Marks & Spencer, Reliance Digital
- ✓Up to ₹16,000/yr in milestone vouchers
- ✓Low 2% forex mark-up
Watch out for
- !Lounge access is spend-based from July 2026
- !Points worth less if redeemed for cash
Rewards
| Everything else (base rate) | 1.25% | no cap |
No rewards on: Fuel, Rent, Education fees, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Milestone benefits
- ₹1,500 Myntra/Nykaa voucher on ₹1.5L quarterly spend~₹1,500
- ₹5,000 flight voucher on ₹5L annual spend~₹5,000
- Additional ₹5,000 flight voucher on ₹7.5L annual spend~₹5,000
Travel & lounges
- Domestic lounge
- 12 / year
- International lounge
- 6 / year
- Spend condition
- ₹60,000 per quarter
3 domestic visits/quarter on ₹60K spend in previous quarter; international visits need ₹75K/quarter
Eligibility
- Salaried
- ₹1,00,000/month
- Self-employed
- ₹12,00,000/yr ITR
- Age
- 21–60 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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