BEST FOR
Included: May suit those with large annual spends who want milestone points, lounge access and nil forex markup.
Included: May suit those with high annual spends who aim for milestone reward points.
Included: May suit frequent travellers who use lounge access, hotel perks and nil forex markup.
Included: May suit those who spend on travel and dining, which earn 3X reward points.
Limitation: Those who spend less than the fee-waiver level or cannot meet the income criteria may wish to compare other cards.
Limitation: Those below the salary or income criteria, or outside the age range may wish to compare other cards.
Limitation: Those who may not reach the annual spend needed for the fee waiver may wish to compare other cards.
Limitation: Those wanting a lower joining fee may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Joining fee is charged only if spend is under ₹1.5 lakh within three billing cycles of activation, or the card is closed within 90 days.
Condition: Add-on cards carry the same joining and annual fees; benefits and waiver criteria follow the primary card.
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.