Welcome Offer

Bonus Points: 4,000 Bonus Membership Reward Points after paying the ₹1,000 joining fee and spending ₹15,000 within 90 days of activation.

Notification: Details sent via SMS or Email to the registered contact.

Rewards Structure

Earning Rate: 1 Membership Reward Point per ₹50 spent.

Non-Earning Categories: No points on fuel, utility bills, or insurance transactions.

Monthly and Spend-Based Bonuses

Monthly Milestone: 1,000 Bonus Membership Reward Points for completing four transactions of ₹1,500 or more each month.

Spending Bonus: 1,000 Membership Reward Points for spending ₹20,000 in a calendar month (requires enrollment).

Renewal Fee Waiver

Full Waiver: Renewal fee of ₹4,500 waived with ₹1,50,000 annual spending.

Partial Waiver: 50% off on renewal fee for annual spending between ₹90,000 and ₹1,49,999.

Reward Redemption Options

18 Karat Gold Collection (18,000 points)

• Taj Voucher: ₹9,000
• Shoppers Stop Voucher: ₹7,000
• Tata Cliq Voucher: ₹7,000
• Myntra Voucher: ₹7,000
• Amazon Voucher: ₹6,000
• Flipkart Voucher: ₹6,000
• Reliance Digital Voucher: ₹6,000

24 Karat Gold Collection (24,000 points)

• Taj Voucher: ₹14,000
• Shoppers Stop Voucher: ₹10,000
• Tata Cliq Voucher: ₹9,000
• Tanishq Voucher: ₹9,000
• Amazon Voucher: ₹8,000
• Flipkart Voucher: ₹8,000
• Reliance Digital Voucher: ₹8,000

Additional Perks

Renewal Bonus: 5,000 Membership Reward Points for paying the first-year renewal fee of ₹4,500, credited within 90 days.

Dining Discounts: Up to 20% off at select restaurants.

Card Protection: Includes zero liability for lost cards, 24/7 assistance, emergency card replacement, and dispute resolution.