What's in it for me?
A clean view of the terms worth comparing.
Earn 5 Reward Points for every ₹150 spent.
01
Rewards and useful benefits
Earn 5 Reward Points for every ₹150 spent.
- 5 Reward Points for every ₹150 spent
- Up to 10x Reward Points on Smartbuy spends
- 24 x 7 Global Personal Concierge
- Complimentary Club Marriott membership for the first year
- Travel benefits at participating ITC hotels
- Unlimited complimentary global airport lounge access
- Dining benefits at participating ITC hotels
- Golf benefits including lessons and games
02
Fees and renewal
- Joining
- ₹12,500 + GST
- Annual
- ₹12,500 + GST
- Waiver
- Spend ₹10 lakh or more in a year before the renewal date to get the renewal fee waived.
03
Published eligibility
- Income
- High Spending Capability
- Age
- By Invite Only
- Employment
- Select customers
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.