Fees And Other Charges

Annual Fee: ₹3,500 for the first year, ₹5,000 thereafter.

Interest Rate: 3.5% per month on unpaid balances.

Foreign Currency Markup: 3.5% of the transaction amount.

Welcome Offer

Bonus Points: 10,000 Membership Rewards Points on spending ₹15,000 within the first 3 months. Points can be redeemed for e-vouchers or statement balance under the Cash + Points scheme.

Rewards

Earning Points

1 Membership Reward Point for every ₹50 spent.

No points earned on fuel, insurance, utilities, cash transactions, and EMI conversions.

5X points on purchases through the Rewards Multiplier portal (e.g., Flipkart, Apple).

10X Points: On Zomato, BookMyShow, Uber, PVR, AJIO, Blinkit, Myntra, Flipkart, and Nykaa (max 500 points per brand).

Milestone Rewards

Annual Spending

₹1.9 lakh: 15,000 Membership Rewards Points worth up to ₹4,500 (redeemable against Flipkart voucher or Pay with Points on AmEx Travel Online).

₹4 lakh: 25,000 Membership Rewards Points worth up to ₹7,500, plus a ₹10,000 Taj Stay Voucher.

Travel Benefits

Domestic Lounge Access: 8 visits per year (2 per quarter).

Priority Pass: Complimentary membership with a waiver of USD 99 (usage fee of USD 35 per visit).

Hotel Benefits: ₹10,000 Taj Stay Voucher for stays at Taj, SeleQtions, and Vivanta hotels.

Dining Benefits

Restaurant Discounts: Up to 20% off at select partner restaurants.

Order-In Discounts: Up to 25% off from The Leela, The Oberoi Gurgaon, The Lodhi, Hilton, Accor, Roseate, and Qmin.

Group Dining: Up to 50% off for up to 10 guests at The Lodhi.

Fuel Surcharge Waiver

HPCL Stations: No surcharge for transactions up to ₹5,000; 1% surcharge beyond ₹5,000.

Reward Redemption

Options: Redeem points for e-vouchers, credit card bill payments (Cash + Points scheme), and transfers to air miles and hotel loyalty programs like Asia Miles, British Airways Executive Club, Emirates, and Marriott Bonvoy.