You're correct about the instant miles, but for the typical Indian traveler, isn't the high annual fee and the risk of diluted reward value bigger factors? Do the lifestyle perks, such as lounge access and concierge service, truly justify the high annual cost for most users?

With a strong focus on instant redemptions for air miles and substantial welcome bonuses, such as hotel chain vouchers, what compelling factors are causing travelers to select specific premium travel credit cards right now?