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Joining fee
₹2,999
Annual fee
₹2,999
Waived on ₹3,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓2.5% on dining & groceries
- ✓Quarterly and annual milestone vouchers
- ✓Priority Pass membership
Watch out for
- !Base rate only 0.5%
- !Lounge visits reduced in 2026
Rewards
| 10 points/₹100 on dining, groceries, departmental stores & movies | 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
- ₹1,000 Pizza Hut voucher on ₹50K quarterly spend~₹1,000
- ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend~₹7,000
Travel & lounges
- Domestic lounge
- 4 / year
- International lounge
- 4 / year
Domestic cut to 1/quarter from Jan 2026; Priority Pass for international
Eligibility
- Salaried
- ₹50,000/month
- Self-employed
- ₹6,00,000/yr ITR
- Age
- 21–70 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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