Joining Fee
Lifetime Free
Annual Fee
Free
Best Suited For
High-income Travelers, Unlimited Lounge Access, and Zero Forex Spends
Rewards Type
Reward Points
Rewards Rate
4 reward points per ₹100 spent on regular transactions; accelerated 3X reward points (12 points per ₹100 spent) on dining and travel spends; 1 Reward Point = ₹0.25
Welcome Benefits
N/A
Card Details +
Key Advantages
- ✓ 0% forex markup on international spends
- ✓ Unlimited complimentary airport lounge access worldwide
- ✓ 3X reward points on dining and travel
- ✓ Issued as a metal card
Limitations
- ✕ High minimum income requirement
- ✕ Reward cash conversion ratio settles at a modest baseline floor of 4 points = ₹1 value