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Joining fee
₹4,999
Annual fee
₹4,999
Waived on ₹8,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓1:1 transfers to airline & hotel partners
- ✓Accelerated on travel bookings
- ✓Lounge access
Watch out for
- !Only in select cities
Rewards
| 4 points/₹100 on flights, travel aggregators & foreign currency spends | 3% | no cap |
| Everything else (base rate) | 1.5% | no cap |
No rewards on: Fuel, Rent, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- 6 / year
- International lounge
- 4 / year
Eligibility
- Salaried
- ₹1,00,000/month
- Self-employed
- ₹12,00,000/yr ITR
- Age
- 18–65 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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