Route travel and dining spends to this card where the 5X earn logic is expected to apply
Lounge eligibility is conditional on previous-quarter spend and settlement timing
Latest change: Updated BoB Premier lounge eligibility (₹20,000 prior-quarter spend, 1 visit/quarter), refreshed review date, and captu...
For Mid-range Travel. 2.5% on dining spend. ₹1,000 fee, waiver at ₹1,20,000. Lounge rule: ₹20,000 / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Mid-range Travel
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
These are objective same-bank step-up options from the current rewards and lounge model.
Annual fee: Free
Annual fee: ₹2499
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹1,000
Waived on ₹1.2L spend
Dining spend
Adjust your estimated monthly spend to see the personalized annual value after fees.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
31 domestic • 11 international policy count
- Source file: Visa India participating airport lounges PDF (generic domestic programme section). - Imported lounge rows are network-level; access is card-tier and issuer-policy dependent. - Verify spend thresholds, card eligibility, and visit caps in latest issuer terms before travel.
Mapped from issuer lounge dataset + card policy signals
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
This card does not have publishable enrichment records in the current high-confidence snapshot.
This is the validation layer. Use it after the card already feels like a possible yes.