Intro Offer
Annual Fees
₹10K + GST
Joining Fees
₹10K + GST
Reward Rate
3.33% 33.33%
Rating
4.9
| Category | Type | Qualifying Spend | Rate | RP Capping | Spend Capping | Conditions |
|---|---|---|---|---|---|---|
| others | base | Regular Spends | 3.33% | |||
| insurance | base | Insurance payments | 3.33% | Max. 5K / day | ||
| groceries | base | Grocery purchases | 3.33% | Max. 2K / month | ||
| utilities | accelerated | Telecom & Utility payments via SmartPay | 16.67% | Max. 7.5K / statement cycle | Min. ₹50K / statement cycle | |
| utilities | accelerated | Telecom & Utility payments via PayZapp | 16.67% | |||
| tax | accelerated | Income Tax/ Advance Tax payment | 16.67% | |||
| tax | accelerated | GST payment | 16.67% | |||
| travel | accelerated | Hotel & flight booking on MMT MyBiz | 16.67% | Max. 10K / month | ||
| software | accelerated | Business Productivity tools via Nuclei | 16.67% | |||
| shopping | accelerated | Spends on IGP.com via SmartBuy | 33.33% | |||
| travel | accelerated | Flights via SmartBuy | 16.67% | |||
| travel | accelerated | Hotels via SmartBuy | 33.33% | |||
| travel | accelerated | IRCTC via SmartBuy | 10.00% | |||
| travel | accelerated | RedBus via SmartBuy | 16.67% | |||
| vouchers | accelerated | Instant Vouchers via SmartBuy | 10.00% | |||
| shopping | accelerated | Spends on Apple Imagine Tresor via SmartBuy | 10.00% | |||
| rental services | accelerated | Spends on Zoom Car via SmartBuy | 16.67% | |||
| shopping | accelerated | Spends on Nykaa via SmartBuy | 16.67% | |||
| shopping | accelerated | Spends on Myntra via SmartBuy | 16.67% | |||
| shopping | accelerated | Spends on Jockey via SmartBuy | 33.33% | |||
| travel | accelerated | MMT Holiday Packages via SmartBuy | 16.67% | |||
| healthcare | accelerated | Spends on Pharmeasy via SmartBuy | 33.33% | |||
| General Reward Points Capping: Max. 1.5L / statement cycle. Overall maximum points that can be earned across all categories | ||||||
| Airline Partner | Redemption Rate | Multiplier | |
|---|---|---|---|
| Club Vistara | 1 Reward Points = 1 Airmiles points | x1 | |
| KrisFlyer | 1 Reward Points = 1 Airmiles points | x1 |
Get x0.3 conversion value on redeeming 1 Reward Points for ₹0.3 statement balance
3.33% rewards
3.33% rewards
3.33% rewards
16.67% rewards
33.33% rewards
16.67% rewards
10% rewards
Accelerated Rewards on Business Spends
Earn 5X Reward Points (16.5% reward rate) on essential business spends like tax payments, GST payments, bill payments via PayZapp, and other business spends via Nuclei.
Unlimited Airport Lounge Access
Cardholders and add-on members get unlimited access to 1000+ domestic and international airport lounges.
Complimentary Golf Games
Enjoy 6 complimentary golf games per quarter at domestic and international golf courses.
Milestone Benefits
Get milestone benefits like Taj Stay vouchers worth ₹5,000 on every ₹5 lakh spent, up to ₹20,000 in a year.
Attractive Welcome Benefits
Avail welcome benefits like Club Marriott Membership and a Taj Stay voucher worth ₹5,000 on spending ₹1.5 lakh within the first 90 days.
High Joining and Renewal Fee
The card has a high joining and renewal fee of ₹10,000 + GST, making it suitable for larger businesses.
Limited Acceptance
The card is on the Diners Club platform, which may have acceptance issues with smaller merchants.
Spend-Based Conditions and Capping on Rewards
5X reward points are applicable only on minimum spends of Rs. 50,000 in a statement cycle, with a maximum cap of 7,500 Reward Points per cycle on 5X rewards.
Low Redemption Value for Non-Travel Options
The reward redemption value is low if redeemed against non-travel options like cashback (1 RP = ₹0.30).
Restrictions on Rewards for Insurance and Grocery
There are restrictions and capping on reward points earned and redeemed for insurance and grocery transactions.
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