What's in it for me?
A clean view of the terms worth comparing.
Earn 1 Membership Rewards Point for every ₹50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale.
01
Rewards and useful benefits
Earn 1 Membership Rewards Point for every ₹50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale.
- 1 Membership Rewards Point for every ₹50 spent
- Complimentary membership to Priority Pass
- Zero Lost Card Liability
- Platinum Services
- Contactless Payment
- Fuel Convenience Fee Waiver at HPCL
- Dining discounts of up to 20% at select restaurants
- Flexible EMI options
02
Fees and renewal
- Joining
- ₹5,000
- Annual
- ₹5,000
03
Published eligibility
- Income
- Rs. 6 Lacs or above
- Age
- over 18 years
- Employment
- Good credit history and no payment defaults.
04
Four lines to check before you apply
- The joining fee, annual fee, GST and the exact annual-fee waiver rule.
- The reward value after redemption—not just the number of points earned.
- Monthly caps, excluded merchant categories and whether UPI transactions qualify.
- Your eligibility, the final application offer and the issuer’s current terms.