BEST FOR
Included: May suit cardholders who want instant redemption of points with airline and hotel partners
Included: May suit spends on flights, travel aggregators and foreign currency transactions
Included: May suit those who want to redeem points instantly for airline miles or hotel points
Included: May suit those who use airport lounges, with 6 local and 4 international visits a year
Limitation: Less suited to spends on fuel, education, government, insurance, jewellery may wish to compare other cards.
Limitation: Those whose main spends are fuel, utilities, education or government payments may wish to compare other cards.
Limitation: Those seeking a low-fee card may wish to compare other cards.
Limitation: Applicants who live outside the listed cities or fall below the stated income criteria may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Spends on add-on cards earn points; the monthly cap is calculated across primary and add-on cards together
Condition: Applicants must be Indian residents living in one of the listed cities, such as Mumbai, Delhi NCR, Bengaluru or Pune
Rewards & real value
What the card earns, and what changes that figure in practice.
Eligibility
Fees & ownership
Benefits & privileges
Caps, exclusions and redemption
Who this card may suit
Figures last checked 31 Oct 2026 against the issuer’s published terms.