Meet these thresholds and you're likely to be approved. Final call is American Express's.
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
Plays grounded in this card's specific levers. Updated each time American Express tweaks the program.
Earn 5X here — 5.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Point value varies across redemption options. Best path: ₹1.00/point. Same earnings, more value.
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
Charges below are base amounts; GST applies where applicable.
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
unlimited domestic + unlimited international visits per year. Primary cardholder.
₹45,000 Welcome reward points.
Fine Hotels & Resorts, Taj partnership, The Hotel Collection, Elite Status.
Air accident cover, lost-card liability, emergency card replacement abroad.
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
Last verified 2026-02-24. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.
