What's in it for me?
A clean view of the terms worth comparing.
Earn Points on various spends and redeem for rewards.
01
Rewards and useful benefits
Earn Points on various spends and redeem for rewards.
- 4 points on International Spend
- 2 points on Domestic Spend
- 1 point on Utility and Insurance Spend
- Welcome Vouchers worth over ₹13,000
- Air Accident Insurance of up to ₹3 crore
- 24/7 Concierge Service
- Buy One Get One offer on BookMyShow tickets
- Golf privileges and complimentary rounds
- Reward Points on spends
02
Fees and renewal
- Joining
- ₹6,500 + GST
- Annual
- ₹3,500 + GST
- Waiver
- Spend over ₹6 lakh and get your Annual Fee waived off for the next year
03
Published eligibility
- Income
- Salaried individual with a monthly income of ₹75,000 or self-employed with an annual income of ₹9,00,000
- Age
- 21 years and above
- Employment
- Salaried or self-employed
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.