The first year’s membership will be free only by spending Rs. 15,000 within the first 90 days
Renew membership for free by spending Rs. 1,00,000 in a year
Accumulate Three reward points for every Rs 150 you spend
2x reward points will be given for hotel bookings, mobile recharge, and shopping
On fuel transactions get 1% Fuel Surcharge waiver. Minimum transaction of Rs. 400, Maximum Cashback of Rs. 500 per statement cycle
With the EMV Chip Card technology, you'll stay protected against unauthorized use of your credit card
If you lost your credit card, be assured of zero liability after reporting the loss
Avail up to 50 interest-free days from the date of purchase (subject to the submission of charge by the merchant)
Obtain Revolving Credit at a nominal interest rate
Priority Pass - Charge of $27 + taxes, will apply on all the lounge visits exceeding the complimentary cap
Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec). Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit
International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India
1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
Zero Lost card liability
Foreign Currency Markup: 3.5% on all foreign currency spends
Get Revolving Credit at nominal interest rate
24/7 Concierge Services
Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
Convert big spends into EMI after purchase
Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization up to Rs. 15 lakhs
Lost Card Liability Cover : Up to Rs 9 lakhs
On retail spends including Insurance, earn 4 reward points on Rs. 150
Get 10,000 Reward Points on annual spends of Rs. 5 lakhs
Get additional 5,000 Reward Points on annual spends of Rs. 8 lakhs
Editor's Review
Pros
Get first year’s membership free by spending Rs 15,000 within the first 90 days
Renew your membership free by spending Rs. 1,00,000 in a year
Free access to over 600 exclusive airport lounges
Cons
High-interest rate
No golf privileges
High renewal fees if you don’t spend Rs. 1 lakh in a year
Pros
Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.