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Joining fee
₹4,999
Annual fee
₹4,999
Waived on ₹10,00,000/yr spend
Forex mark-up
1.99%
+ 18% GST on the mark-up
Why people pick it
- ✓₹5,000 welcome e-voucher
- ✓Up to 50,000 bonus points/yr via milestones
- ✓1.99% forex mark-up
- ✓Free movie tickets every month
Watch out for
- !Air accident cover removed in 2025
- !Fee waiver needs ₹10L/yr
Rewards
| 5X points on dining, groceries & departmental stores | 2.5% | no cap |
| Everything else (base rate) | 0.5% | 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.
Milestone benefits
- 10,000 bonus points at ₹3L~₹2,500
- 10,000 bonus points at ₹4L~₹2,500
- 15,000 bonus points at ₹5L~₹3,750
- 15,000 bonus points at ₹8L~₹3,750
Travel & lounges
- Domestic lounge
- 4 / year
- International lounge
- 6 / year
Domestic cut to 1/quarter from Jan 2026
Eligibility
- Salaried
- ₹75,000/month
- Self-employed
- ₹9,00,000/yr ITR
- Age
- 21–70 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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