70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Route this card to travel spends first, then shift spillover transactions to stronger category alternatives
points-value realization depends on redemption choice and transfer use
Latest change: Data correction: fee and waiver metadata corrected from current issuer schedule; this is not a claim of a new fee incre...
For International Travelers. 1.3% on travel spend. ₹3,000 annual fee. Verify the lounge spend rule before applying.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
International Travelers
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.
Luxury travelers and high spenders optimizing premium memberships
Ultra-high spend users focused on premium travel and concierge access
Amex users who can either maximize the first-year welcome bonus or push all the way to the ₹7L annual tier for travel redemptions
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹3,000
No standard spend-based renewal waiver listed in reviewed issuer fee schedule; targeted offers may differ.
Travel spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
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.
22 domestic • 9 international policy count
Card-level policy notes: • No reward points on international transactions (offset by 0% forex) - Source file: RBL Mastercard/Visa India lounge program PDF. - Network lounge list applies only to eligible card variants and active issuer policy windows. - Confirm card-level quarterly caps, spend criteria, and guest policy in latest RBL terms. 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.