International Lounge: 2 visits/year via Priority Pass & Lounge Key
Forex Markup: 3.5%
Joining Fee
₹1,000
+18% GST applicable
Annual Fee
₹1,000
+18% GST applicable
Renewal Fee
₹N/A
Basic Requirements
Minimum Age21 years
Maximum Age70 years
Eligible OccupationSalaried, Self-Employed
Base Reward Rate
Points per Spend
1 RP
Per Every
₹100
Effective Return
0.25%
Currency: Reward Points — 1 point ≈ ₹0.25
Forex Markup: 3.5%
❌ No Points Earned On:
Fuel and auto servicesUtilitiesInsurance paymentsRailway bookingsReal estate or rental transactionsWallet or service provider loadsOther miscellaneous payments
0
🛫 Domestic Lounge Access
Program
Visits1 per quarter
PrivilegesPrimary: Yes • Add-on: No • Guest: No
🌏 International Lounge Access
ProgramPriority Pass & Lounge Key
Visits2 per year
PrivilegesPrimary: Yes • Add-on: No • Guest: No
Redemption Options
Smart Redemption Tips
🏆 Best value: Travel Portal at ₹0.25–₹0.5/pt — maximize your returns here.
Best Value
✈️Travel Portal
Redeem for travel bookings via portal
₹0.25–₹0.5/pt
🎁Gift Voucher
Redeem for gift vouchers
₹0.25–₹0.5/pt
🛍️Merchandise
Redeem for catalogue merchandise
₹0.2–₹0.3/pt
Gemini Credit Card AssistantFree Tier
Hi! I am your Cardswise AI advisor. Ask me anything about card structures, charges, benefits, or reward calculation models!