SimplifyCards take:A good fit if you want a card built for luxury, travel, and lounge
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Best for airport lounge accessBest for
16 complimentary lounge visits a year across domestic and international
!
Avoid if your spend is lowWatch out
The ₹ 10,000 fee waives only at ₹ 10 lakh/year, and some benefits can be spend-gated
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Good fit if you want a card built for luxury, travel, and loungeBottom line
It combines complimentary airport lounge access, a low 1.8% forex markup, and milestone rewards
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| Other Retail Spends | 1.5 reward points per ₹100 |
| Utility, Insurance, Government, Education, Real Estate, And Rent Spends | 0.7 reward points per ₹100 |
Redemption
Statement balanceupto ₹ 0.7 per point
Airmile transferupto 0.5 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 2:1 |
Important conditions
1
Domestic lounge8 visits per year
- 2 complimentary domestic lounge visits per calendar quarter (effective July 2026 quarter onwards, requires minimum spend of ₹5,00,000 in the previous quarter to unlock access)
2
International lounge8 visits per year
- 2 complimentary international lounge visits per calendar quarter via LoungeKey
3
MilestoneAnnual fee reversed if spends during the period are ₹10,00,000 or more
4
MilestonePremium golf programme revised to 2 complimentary games and 2 lessons per month effective March 2026
5
Fee waiverRenewal fee waived on annual spends of ₹ 10 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Premium wellness, luxury travel, and concierge-style positioning
- Exclusive access to the curated Crest lifestyle and travel benefits
- 1% fuel surcharge waiver at all fuel stations in India
Eligibility
Check this before you apply
Salaried
- Age: 21 to 65 years
- Minimum net monthly salary of ₹2,50,000 or Priority/Pioneer Banking relationship
Self-employed
- Age: 21 to 65 years
- Minimum annual income/ITR of ₹30 Lakhs or Priority/Pioneer Banking relationship
Exclusions
Spending that does not earn reward points
- Fuel transactions
- Cash withdrawal / cash advance transactions
- Fees and charges (including annual fee and finance charges)
Compare before you decide
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