for year 1 - if you can spend 7.5 L on the card or atleast 5 L on the card & you travel on vistara network.. this is a phenomenal card!! nothing comes close.. Year 2 onwards due to gold tier being dropped it loses some sheen.. but is still good if you spend 5L + and enjoy the vistara n/w..full paisa wasoolIts joining fee and annual fee is not justifiable considering its features. I was keen to get it as I've pre-approved offer but high annual fee is the hindrance