Unlimited lounge, maximum reward rates, elite privileges.
For those spending ₹5 lakh or more annually. At this level the maths flips — premium cards pay for themselves.
Unlimited worldwide lounge, 10X on SmartBuy travel, 5% base rate. The best card in India at this tier.
Effectively free at ₹4L spend. Still the best value premium card at any price point.
8% on dining, 8 lounge visits, 2% UPI rewards. Strong challenger for those who dine and travel heavily.
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