Published rewards verified; acceleration caps and lounge eligibility need full program check before modeled estimates.
Use eligible travel purchases and check quarterly gift-card conditions
Fuel/auto, education, utilities, insurance, quasi-cash, rent, wallets, government, contracted services, cash, Bills2Pay and EMI exc...
Latest change: Data correction: fee and waiver metadata corrected from current issuer schedule; this is not a claim of a new fee incre...
For Premium travel and catalogue redemption. Reward estimate withheld; review model limits. ₹12,500 fee, waiver at ₹10,00,000 / year. Lounge rule: ₹3,00,000 / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Premium travel and catalogue redemption
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.
Annual value is withheld. Review the available earning rules and source limitations before choosing a redemption route.
Joining fee ₹12,500
Waived on eligible annual spends of ₹1,000,000
Model limits
Value estimate unavailable: fee or benefit evidence needs review. Check listed issuer sources before applying.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
Use the optimizer below for redemption math.
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
Card-level policy notes: • Detailed acceleration caps and lounge eligibility must be checked in full program terms before estimates. • ₹10,000 gift card on ₹3 lakh eligible spend in a calendar quarter. • Published lounge allowance: 12 domestic and 12 international visits, plus 4 international guest visits; check program terms. - 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. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.