Welcome bonus
12,500 bonus Reward Points on fee realisation and card activation
👍 Pros
- ✓ Very high reward rate up to ~33% via SmartBuy
- ✓ Unlimited domestic and international lounge access
- ✓ Low 2% forex markup plus premium travel perks
👎 Cons
- ✕ Invite-only with a very high eligibility bar
- ✕ New ₹18 lakh annual-spend retention requirement (Apr 2026)
- ✕ Recurring reward devaluations and redemption caps