SimplifyCards take:A good fit if you want a card built for premium, lounge, and golf
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Best for Partner MerchantsBest for
3 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for premium, lounge, and golfBottom line
It combines complimentary airport lounge access, accelerated rewards on partner merchants, and milestone rewards
Estimate your Membership Rewards
Adjust your monthly spend to see the card's estimated annual value
How the card works
Membership Rewards rates
| Category | Rate |
|---|---|
| Retail | 1 Membership Rewards Point / ₹50 spent on eligible categories |
| Partner Merchants | 3 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 1 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| British Airways | Executive Club | 2:1 |
| Singapore Airlines | KrisFlyer | 2:1 |
| Qatar Airways | Privilege Club | 2:1 |
| Emirates | Skywards | 2:1 |
| Etihad Airways | Etihad Guest | 2:1 |
| Virgin Atlantic | Flying Club | 2:1 |
| Air India | Maharaja Club | 2:1 |
| Hotel group | Programme | Ratio |
|---|---|---|
| Marriott | Marriott Bonvoy | 1:1 |
| Hilton Hotels | Hilton Honors | 1:0.9 |
Important conditions
1
Domestic lounge12 visits per year
- 12 complimentary visits in a year, limited to 3 visits per quarter
2
International lounge2 visits per year
- 2 complimentary Priority Pass lounge visits in a year
- Priority Pass membership worth US$99 is complimentary on enrolment
- Visits beyond the 2 complimentary visits are charged at prevailing rates, currently US$35 per person per visit
3
Milestone₹1,000 monthly voucher on spending ₹50,000 or more in a calendar month, redeemable across partner brands such as Tata CLiQ Luxury, BookMyShow, and MakeMyTrip, subject to enrolment
4
Fee waiverRenewal fee waived on annual spends of ₹ 10 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 11,000 Membership Rewards points as welcome gift on spending ₹30,000 within first 90 days
Additional benefits
- Complimentary ALL Accor+ Explorer membership
- Complimentary EazyDiner Prime membership
- Golf benefit up to twice per month on meeting monthly spend criteria
- RewardXcelerator offers 5X rewards on participating brands
Eligibility
Check this before you apply
Salaried
- Employed with personal annual income of ₹6 lakh and above
- Good credit history with no payment defaults
- Resident Indian with current or permanent residential address in India
Self-employed
- Self-employed with personal annual income of ₹6 lakh and above
- Company has been trading for more than 12 months
- Resident Indian with current or permanent residential address in India
Exclusions
Spending that does not earn membership rewards
- insurance
- utilities
- cash transactions
- EMI conversion at point of sale
- excluded spends as per American Express terms
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