Real Annual Value
What's it actually worth for you?
Monthly SpendRs.50.0K
Gross rewardsRs.16,910
Annual fee-Rs.2,500
Net annual value+Rs.14,410
Value Breakdown
travel (5x)+Rs.1,500
Base rate (1.65%)+Rs.8,910
Welcome benefit+Rs.2,500
Lounge access (18 visits)+Rs.4,000
Annual fee (waived)+Rs.0
Joining fee (year 1)Rs.2,500
Highlights
- Marriott Silver status
- Domestic + international lounges
- 5X on partners
Drawbacks
- Spend-gated lounges (added May 2026)
- Reward rate cut to 5pts/Rs.200 (was 4pts/Rs.150)
Reward Rates
Earn by category
travel
5X
5X on Marriott, Myntra, Cult, Nykaa
Devaluation History
Beware — this card has been devalued
01 May 2026
Reward rate cut from 4 pts/Rs.150 to 5 pts/Rs.200 (-6%)
reward rate
01 May 2026
Lounge access now requires Rs.60K/quarter spend
lounge