Card Benefits
Key benefits available with this card.
₹5,000 Welcome Gift Voucher
Receive a welcome e-voucher worth ₹5,000 from brands like Bata, Hush Puppies, Pantaloons, Shoppers Stop, Yatra, or Aditya Birla Fashion upon fee payment.
Free BookMyShow Movie Tickets
Get 2 complimentary movie tickets worth up to ₹250 each per month on BookMyShow (Total annual savings of up to ₹6,000).
8 Domestic Lounge Visits
Enjoy 2 complimentary domestic airport lounge visits every quarter (8 visits per year) at participating lounges across India.
6 International Lounge Visits
Enjoy 6 complimentary international airport lounge visits per calendar year (max 2 per quarter) with a complimentary Priority Pass membership.
Low 1.99% Forex Markup
Enjoy a discounted foreign exchange markup fee of just 1.99% on all international transactions.
5X Rewards on Dining & Groceries
Earn 5X Reward Points (10 points per ₹100 spent = 2.5% return) on dining, departmental store, and grocery purchases.
Bonus Milestone Rewards (Up to 50k RP)
Earn up to 50,000 bonus Reward Points (worth ₹12,500) every year on achieving annual spends of ₹3L, ₹4L, ₹5L, and ₹8L.
Club ITC Silver Membership
Get complimentary 1-year Club ITC Silver Tier membership with 50% discount on the second night stay at participating ITC Hotels.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all fuel pumps across India (capped at ₹250 per month).
Annual Fee Waiver
The annual renewal fee of ₹4,999 is waived upon achieving ₹10 Lakhs or more in eligible spends in the preceding year.
Welcome / Free Offer
Welcome e-gift voucher worth ₹5,000 from top brands (Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra, or Aditya Birla Fashion) plus complimentary Club ITC Silver membership.
Value up to ₹5,000
Eligibility: Upon payment of joining fee and card activation.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Dining, Grocery & Departmental Stores | 10.0000 points / ₹100 | Earn 5X Reward Points (10 points per ₹100 spent) on eligible dining, departmental store, and grocery purchases (Effective return: 2.5%). |
| All Other Retail Spends | 2.0000 points / ₹100 | Earn 2 Reward Points per ₹100 spent on all other retail transactions (Effective return: 0.50%). |
| Annual Milestone (₹3 Lakhs) | 0.0000 points / ₹100 | Earn 10,000 bonus Reward Points (worth ₹2,500) on achieving ₹3 Lakhs annual spend. |
| Annual Milestone (₹4 Lakhs) | 0.0000 points / ₹100 | Earn an additional 10,000 bonus Reward Points (worth ₹2,500) on achieving ₹4 Lakhs annual spend. |
| Annual Milestone (₹5 Lakhs) | 0.0000 points / ₹100 | Earn an additional 15,000 bonus Reward Points (worth ₹3,750) on achieving ₹5 Lakhs annual spend. |
| Annual Milestone (₹8 Lakhs) | 0.0000 points / ₹100 | Earn an additional 15,000 bonus Reward Points (worth ₹3,750) on achieving ₹8 Lakhs annual spend (Cumulative 50,000 bonus RP worth ₹12,500). |
| Fuel, Cash Advance & Excluded Spends | 0.0000 points / ₹100 | Transactions on fuel, cash advances, balance transfers, and fees do not earn reward points. |
Airport Lounge Access
Spend requirement: 2 complimentary visits per calendar quarter (No minimum spend required)
Fuel Surcharge Waiver
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹60,000 / month
₹720,000 / year ITR
750+
New-to-Credit: Not Allowed
Important Eligibility Information
Age: 21 to 65 years. Salaried Income: ₹60,000/monthly. Self-Employed: ITR > ₹7,20,000/annum. Credit Score: 750+ with no delayed payments in the past 12 months. New-to-credit applicants are not allowed.
Income: Salaried: ₹60,000 per month. Self-employed: Annual ITR > ₹7,20,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 750+ with a spotless 12-month repayment history.
Documents Needed
Fees & Charges
₹4,999
₹4,999 + GST
Pros
• ₹5,000 welcome gift voucher covers the first-year fee
• Free movie tickets worth ₹6,000 per year (2 tickets up to ₹250 each every month on BookMyShow)
• Low foreign currency markup fee of just 1.99%
• 8 complimentary domestic lounge visits per year (2 per quarter)
• 6 complimentary international lounge visits per year with Priority Pass
• Milestone bonus up to 50,000 Reward Points (worth ₹12,500) per year
• 5X rewards (2.5% return) on dining, grocery, and departmental store purchases
• Complimentary 1-year Club ITC Silver Tier membership
Cons
• High joining and annual renewal fee of ₹4,999 + GST
• Fee waiver threshold is steep at ₹10 Lakhs annual spend
• Base reward rate is low at 0.50% (2 points per ₹100)
• Accelerated reward rate of 2.5% is lower than dedicated cashback cards