What's good
- Airport meet-and-greet concierge service across India
- Excellent travel insurance coverage
- Unlimited international lounge access
Watch out for
- Domestic lounge access is heavily spend-gated (₹50K in prior 3 months)
- Monthly milestone bonus program eliminated in September 2023 — was the biggest value driver
- EDGE Miles transfer ratios halved (5:4 → 5:2); Accor, Marriott, Qatar Airways removed as partners (April 2026)
- Fee waiver requires very high ₹25L annual spend (excluding wallet, fuel, rent, utilities)
- ~2% forex markup on international transactions — better than standard 3.5% but not zero-forex
Who should pick this card?
Best suited for someone focused on frequent international travelers.
This sits in the Premium category — Top-tier cards with concierge, unlimited lounge access, and elite travel perks for high spenders.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
More Premium picks
HDFC Infinia Metal Edition
India's most coveted invite-only card with unlimited global lounge access for you and all add-on members. SmartBuy 5X rewards were briefly threatened with a cut in Jan 2026 but the change was rolled back.
AU Bank Zenith+ Credit Card
AU Bank's metal flagship — 16 domestic and 16 international lounge visits per year via Priority Pass, airport meet-and-assist, and a 0.99% forex markup. The welcome voucher entirely offsets year-1 fee for high-spend applicants.
Amex Platinum Charge Card
The ultimate status symbol. Grants access to Centurion Lounges, Elite tier status at Marriott/Hilton, and a 24/7 global concierge.