HDFC Bank Points & Rewards Credit Cards in India 2026

7% reward on all Shoppers Stop purchases
- You earn 7 reward points worth ₹7, on every ₹100 you spend in this category.
- This is valid only on spends upto ₹28570 per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.
- 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers

2% reward on all other card purchases
- You earn 2 reward points worth ₹2, on every ₹100 you spend in this category.
- This is valid on card spends upto ₹1 lakh per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.
- 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers..
- Exceptions : Please note that no reward points are given on fuel purchases, wallet loads, rent & utility spends, purchase of jewellery/gold coins or equivalents, EMI transactions, account fees and payment.

Complimentary visits to airport lounges in India – 4 times per quarter 

Complimentary visits to airport lounges outside India – 2 times per quarter 

Complimentary insurance covers
– Accidental air death cover of ₹3 crores.
– Emergency overseas hospitalisation cover up to ₹50 lakhs.

Fuel surcharge waiver upto ₹500 per month
– You get 1% fuel surcharge waiver at all fuel stations, only on fuel spends upto ₹50,000 per month (since the maximum waiver amount is capped at ₹500 per month).

Benefits
– Attractive reward rate on Shoppers Stop purchases
– Good reward rate of 2% on non-Shoppers Stop purchases
- Exclusive privileges as a Shoppers Stop First Citizen Black Tier member, such as no-queue billing, assisted shopping by a personal shopper, access to the First Citizen Black Lounge, 1 year exchange for garments, free beauty makeover for birthdays and anniversary, and an annual Black Day-exclusive online sale.

Drawbacks
- Attractive rewards are limited to Shoppers Stop, since rewards earned on even non-Shoppers Stop spends can only be redeemed at Shoppers Stop. Hence only suitable for those who like shopping frequently at Shoppers Stop

Upto 10% benefit on Tata Neu App, on partner Tata Brands
✔︎ 5% benefit on partner Tata brands on Tata Neu app: You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.
✔︎ Additional 5% benefit on select Tata brands on Tata Neu app, as a Tata Neu Pass member :
– As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

5% special benefit on select Tata brands, outside Tata Neu App 
– You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).
– This is valid only on non-EMI purchases.

1.50% basic benefit on all other card purchases : You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on all other card purchases

1.50% benefit on UPI spends (on Rupay card version) : You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Complimentary visits to airport lounges outside India – 1 time per quarter 

Complimentary visits to airport lounges in India – 2 times per quarter 

1% fuel surcharge waiver, upto ₹500 per month 
You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50,000 per month (since the waiver amount is capped at  ₹500 per monthly card statement cycle)

Complimentary insurance benefits
– Accidental air death cover worth ₹1 Crore,
– Emergency overseas hospitalisation coverage of up to ₹15 lakhs
– Lost card liability cover of up to ₹9 lakhs

Benefits
– Good card choice for those who like to shop at various Tata brands
– Complimentary airport lounge access both in India and abroad
– 1.50% rewards even on UPI spends, on Rupay variant of the card

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards

10% benefit on railway ticket purchases upto ₹20,000 per month
✔︎ 5% benefit on railway tickets – on IRCTC ticketing website and IRCTC Rail Connect App
You get 5 reward points worth ₹5, on every ₹100 you spend on railway ticket bookings on IRCTC website and app – only on bookings upto ₹20,000 per month (since the maximum reward points you can earn at this accelerated rate is restricted to 1000 reward points per month).
– 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
– Reward points are valid for 2 years from date of earning.
✔︎ Additional 5% cashback on rail ticket booking through HDFC Smartbuy
You earn ₹5 cashback, on rail ticket purchases on HDFC Smartbuy – only on ticket purchase/s upto ₹20,000 per month (since monthly cashback is capped at ₹1000 per month).

1% benefit on UPI spends
– You can link your card in select UPI apps only (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).
– You get 1 reward point worth ₹1, on every ₹100 you spend on UPI payments – only on UPI payments upto ₹50,000 per month (since you can earn a maximum of 500 reward points per calendar month on UPI spends).

1% basic benefit on all other card spends
– You get 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
Exceptions : No reward points are given on fuel purchases, rent payments, government-related transactions, education transactions, wallet loads /gift or prepaid card load/ voucher purchase, EMI transactions, payment of card fees and other charges, payment of outstanding balances, cash advances.

Quarterly milestone benefit of upto 1.6%
– You get a gift voucher worth ₹500, upon spending ₹30,000 or more every 90 days.
Note : Cash transactions, dial-an- EMI, cash-on-call, balance transfer, card account fee, personal loan on credit card, etc will not be considered as eligible spends for this offer.

Complimentary access to railway lounges in India – 2 per quarter

1% transaction charges waiver – on IRCTC ticketing website and Rail Connect App
- You get a 1% transaction charges waiver on IRCTC website and app, only on spends upto ₹1 lakh per month (since the maximum waiver amount is restricted to ₹1000 per monthly card statement cycle).

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver
– only on fuel transactions between ₹400 and ₹5000
– only on yearly fuel purchases of upto ₹25000 per month (since the maximum waiver amount is limited to ₹250 per monthly card statement cycle).

Benefits
– Good card for rail travellers – 10% benefit on rail tickets
– Other rail travel related benefits like complimentary access to railway lounges and 1% transaction waiver on IRCTC
– 1% benefit on UPI spends

Drawbacks to consider
– This is a specialist rail travel card, hence reward rate on non-railway spends is low. So you may need to consider other cards for your other major spending needs like shopping, non-rail travel, fuel, bill payments etc

Benefits
– Attractive benefit rate of 5.80% on monthly fuel spends at IOCL outlets – 4.80% on fuel purchases PLUS 1% waiver on fuel surcharge
– Low annual spend target (of ₹50,000) to get renewal fees waived off
– Attractive reward rate of 4.80% on grocery purchases and bill payments
– So, overall it is a good entry-level fuel card, since it gives accelerated rewards on fuel upto a monthly fuel spend of ₹3,000 and also has a low annual fee waiver threshold of ₹50,000
– 1% – 10% cashback on various spends, on HDFC SmartBuy.

Drawbacks
– To earn accelerated fuel rewards, it is necessary to visit IOCL Outlets specifically, hence one needs to plan more when refuelling
– Not ideal for high fuel spenders, for those spending more than ₹3000 per month
– The redemption process is not as straightforward as a simple cashback card.

5% benefit on Indigo spends
– You earn 5 reward points (called 6E reward points) worth ₹5 , on every ₹100 you spend at Indigo.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets
– Not valid on group, corporate, SME and agent bookings.
– Reward points are valid for 2 years from date of issuance.

3% benefit on grocery, entertainment and dining spends
– You earn 3 reward points (6E reward points) worth ₹3 , on every ₹100 spend you spend on grocery, entertainment, and dining.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets
– Reward points are valid for 2 years from date of issuance.

2% benefits on all other card spends 
– You earn 2 reward points (6E reward point) worth ₹2, on every ₹100 spend you spend on all other spends.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets
– Reward points are valid for 2 years from date of issuance.

Complimentary domestic airport lounge access – 2 per quarter

Discounted convenience fee on Indigo : You enjoy discounted convenience fee of ₹150 per passenger, on Indigo.

Benefits
– 5% benefit on Indigo spends.
– 3% on grocery, dining and entertainment spends
– You get 2% on all other cards spends, which is a healthy flat-rate reward rate on all card spends
– Complimentary use of dometic airport lounges – 2 times per quarter

Drawbacks to consider
– While the benefits are appealing, you need to be a regular Indigo flier since the earned benefits can only be redeemed/used for Indigo flight bookings.
– Not a good card for other major spending needs like shopping, fuel, bill payments etc. You need to consider other cards for these spending needs

2.50% benefit on Indigo spends
– You earn 2.50 reward points (called 6E reward points) worth ₹2.50, on every ₹100 you spend at Indigo
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets
– Not valid on group, corporate, SME and agent bookings.
– Reward points are valid for 2 years from date of issuance.

2% benefit on grocery, entertainment and dining spends
– You earn 2 reward points (6E reward points) worth ₹2, on every ₹100 spend you spend in these categories
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets
– Reward points are valid for 2 years from date of issuance.

1% benefits on all other card spends
– You earn 1 reward point (6E reward point) worth ₹1, on every ₹100 spend you spend on all other purchases
– One 6E reward point = ₹1.
– No reward points are given on wallet transactions.

Discounted convenience fee on Indigo : You enjoy discounted convenience fee of ₹150 per passenger, on Indigo.

Benefits
– 2.50% benefit on Indigo spends.
– 2% on grocery, dining and entertainment spends

Drawbacks to consider
– You need to be a regular Indigo flier since the earned benefits can only be redeemed/used on Indigo flight bookings.
– Not a good card for other major spending needs like shopping, fuel, bill payments etc. You need to consider other cards for these spending needs

Complimentary Times Prime membership worth ~ ₹1000
– The membership remains valid if you conduct at least 1 card transaction each quarter
– The membership gives you offers & free subscriptions of various brands – Gaana Plus, Sonyliv, TOI+, Chaayos, Uber, Myntra and many more.

50% discount on movie tickets via BookMyShow, upto ₹600 per month
– Maximum discount of ₹600 per month, and on maximum 4 discounted tickets per month

Complimentary 6 months Eazydiner membership || 15% discount (upto ₹1500), on Eazydiner via PayEazy
– You need to set up your credit card on Eazydiner app (PayEazy), and pay through the app to avail 15% discount

Upto 20% discount (online & offline) at select partners, through Times Card WebApp
– Offers across shopping, wellness, hotel stays and more
– City wise offers based offers every single day

Reward point earning
– You get 10 reward points, on every 150 you spend on weekday dining
– You get 3 reward points, on every 150 you spend on all other card spends
– No reward points are given on wallet loads, EMI transactions, fuel spends

Fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is limited to ₹250 per month

Benefits
– Good card for those who like Time Prime membership.You get access to a host of partner offers through this membership. Times Group is one of India's largest media companies, hence they have good partner tie-ups
– Movie and dining offers through BookMyShow and EazyDiner, in addition to deals available through Times Prime membership
– Good welcome offers

Drawbacks to consider
– You will be restricted primarily to partners with whom Times ties up, and hence may limit your choices to earn rewards

Complimentary Times Prime membership worth ~ ₹1000
– The membership remains valid if you conduct at least 3 card transaction each quarter
– The membership gives you offers & free subscriptions of various brands – Gaana Plus, Sonyliv, TOI+, Chaayos, Uber, Myntra and many more.

25% discount on movie tickets via BookMyShow, upto ₹350 per month
– Maximum discount of ₹350 per month, and on maximum 4 discounted tickets per month

10% discount (upto ₹1500), on Eazydiner via PayEazy
– You need to set up your credit card on Eazydiner app (PayEazy), and pay through the app to avail discount

Upto 20% discount (online & offline) at select partners, through Times Card WebApp
– Offers across shopping, wellness, hotel stays and more
– City wise offers based offers every single day

Reward point earning
– 5 reward points, on every ₹150 you spend on weekday dining at standalone restaurants
– 2 reward points, on every ₹150 you spend on all other card spends
– No reward points are given on wallet loads, EMI transactions, fuel spends

Fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is limited to ₹250 per month

Benefits
– Good card for those who like Time Prime membership. You get access to a host of partner offers through this membership. Times Group is one of India's largest media companies, hence they have good partner tie-ups
– You get movie and dining offers through BookMyShow and EazyDiner, in addition to deals available through Times Prime membership
– Good welcome offers

Drawbacks to consider
– You will be restricted primarily to partners with whom Times ties up, and hence may restrict your choices to earn rewards

3% reward on all Shoppers Stop purchases
- You earn 3 reward points worth ₹3, on every ₹100 you spend in this category.
- This is valid only on spends upto ₹16,666 per month, since you can earn a maximum of 500 reward points in this category, in your monthly card statement cycle.
- 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers

1% reward on all other card purchases
- You earn 1 reward points worth ₹1, on every ₹100 you spend in this category.
- This is valid on card spends upto ₹1 lakh per month, since you can earn a maximum of 1000 reward points in this category, in your monthly card statement cycle.
- 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers..
- Exceptions : Please note that no reward points are given on fuel purchases, wallet loads, rent & utility spends, purchase of jewellery/gold coins or equivalents, EMI transactions, account fees and payment.

Fuel surcharge waiver upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations, only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel spends upto ₹25,000 per month (since the maximum waiver amount is capped at ₹250 per month).

Benefits
- Decent rewards on Shoppers Stop purchases
– Low fee card
– Complimentary Shopper Stop Membership

Drawbacks
– Comparatively low reward rate on non-Shoppers Stop card spends

Upto 7% benefit on Tata Neu App, on partner Tata Brands
✔︎ 2% benefit on partner Tata brands on Tata Neu app: You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.
✔︎ Additional 5% benefit on select partner Tata brands on Tata Neu app, as a Neu Pass member :
– As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

2% special benefit on select Tata brands, outside Tata Neu App
– You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).
– This is valid only on non-EMI purchases.

1% basic benefit on all other card purchases : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on all other card purchases

1% benefit on UPI spends (on Rupay card version) : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Complimentary visits to airport lounges in India – 1 time per quarter

1% fuel surcharge waiver, upto ₹250 per month
You get a 1% fuel surcharge waiver , at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month (since the waiver amount is capped at  ₹250 per monthly card statement cycle)

Benefits
– Good card choice for those who like to shop at various Tata brands.
– Complimentary airport lounge access in India
– UPI enabled on Rupay version of card, along with 1% reward on UPI spends

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards

UPTO 10X REWARDS ON CARD SPENDS

(X)
3.3% reward on all card spends
- You get 3.3 reward points worth ₹3.3, on every ₹100 spent on the card. 1 reward point = ₹1, and can be redeemed for flights & hotel bookings via HDFC Smartbuy.
Note : You can also redeem your reward points for a lower value as given below-
- You get 3.3 reward points worth ₹1.66, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 3.3 reward points worth ₹1, on every ₹100 spent on the card. 1 reward point = ₹0.30, if you redeem for cashback.

(3X)
10% reward on Flipkart & Apple purchases || gift vouchers || rail tickets bookings (done via HDFC Smartbuy platform)
- You get 10 reward points worth ₹10, on every ₹100 spent on the card in these categories. 1 reward point = ₹1, and can be redeemed for flights & hotel bookings via HDFC Smartbuy.
Note : You can also redeem your reward points for a lower value as given below-
- You get 10 reward points worth ₹5, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.50, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 10 reward points worth ₹3, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.30, if you redeem for cashback.

(5X)
16.6% reward on flights & bus booking || shopping purchases at Nyka, Zoom Car (done via HDFC Smartbuy platform)
- You get 16.6 reward points worth ₹16.6, on every ₹100 spent on the card in these categories. 1 reward point = ₹1, and can be redeemed for flights & hotel bookings via HDFC Smartbuy.
Note : You can also redeem your reward points for a lower value as given below-
- You get 16.6 reward points worth ₹8.3, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.50, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 16.6 reward points worth ₹5, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.30, if you redeem for cashback.

(10X)
33.3% reward on hotels booking || purchases at IGP.com & Jockey (done via HDFC Smartbuy platform)
- You get 33.3 reward points worth ₹33.3, on every ₹100 spent on the card in these categories. 1 reward point = ₹1, and can be redeemed for flights & hotel bookings via HDFC Smartbuy.
Note : You can also redeem your reward points for a lower value as given below-
- You get 33.3 reward points worth ₹16.6, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.50, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 33.3 reward points worth ₹10, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.30, if you redeem for cashback.

Limits & restrictions on 3X-10X accelerated rewards : You can earn a maximum of 10,000 special reward points per calendar month, in the 3X – 10X categories described above.

ADDITIONAL MILESTONE BENEFITS, UPTO 2.50%
– 10000 reward points worth ₹10000 (on travel redemptions), at ₹4 lakh quarterly card spend

OTHER BENEFITS 

✓ Unlimited complimentary airport lounge access – both in India and abroad (including for add-on cardholders)

✓ Complimentary golf rounds worldwide – 6 per quarter

✓ Upto 6.6% reward on weekend dining (2X)
– 6.6 reward points worth ₹6.6 (on travel redemptions), on every ₹100 you spend on weekend dining (Saturday & Sunday) at standalone restaurants.
– You can earn a maximum of 1000 reward points per month, at this accelerated rate

✓ 2% fee (forex markup) on international card transactions

✓ 24/7 personal global concierge services

✓ Complimentary Club Marriott Membership for 1 year
– 15-20% discount on food and beverage bills at restaurants, for a maximum of 10 guests
– Upto 20% discount on best available room rates at participating Marriott hotels in India, and on weekend rates in Asia Pacific.
– 20% discount on spa services at participating Marriott hotels in India, from Monday to Friday.

✓ Complimentary insurance benefits
– Accidental air death cover worth ₹2 crore
– Emergency overseas hospitalisation coverage of upto ₹50 lakhs
– Lost card liability cover of up to ₹9 lakhs.

✓ Exclusive offers from Diners

Benefits
– Unlimited basic benefit rate of 3.3%, and attractive 3X-10X rewards program (upto 33.3% benefit rate) with various shopping and travel partners
– Good lifestyle perks like free unlimited lounge access, complimentary golf, and complimentary memberships like Club Marriott

Drawbacks to consider
– Reward rates are most attractive, if you redeem your reward points for flight & hotel bookings. So you will benefit most only if you are a frequent traveller

UPTO 10X REWARDS ON CARD SPENDS

(X)
1.73% reward on all card spends
- You get 2.6 reward points worth ₹1.7, on every ₹100 spent on the card. 1 reward point = ₹0.65, and can be redeemed on ‘exclusive Gold Catalogue on select premium brands’ via HDFC Smartbuy platform
Note : You can also redeem your reward points for a lower value as given below-
- You get 2.6 reward points worth ₹1.3, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
- You get 2.6 reward points worth ₹0.9, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 2.6 reward points worth ₹0.5, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance 
Exceptions – no reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions.

(3X)
5.2% reward on Flipkart purchases || rail tickets bookings (done via HDFC Smartbuy platform)
- You get 8 reward points worth ₹5.2, on every ₹100 spent on the card in these categories.1 reward point = ₹0.65, and can be redeemed on ‘exclusive Gold Catalogue' on select premium brands’ via HDFC Smartbuy platform
Note : You can also redeem your reward points for a lower value as given below-
- You get 8 reward points worth ₹4, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
- You get 8 reward points worth ₹2.8, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 8 reward points worth ₹1.6, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

(5X)
✓ 8.6% reward on flights & bus booking || shopping purchases at Apple, Nyka, Zoom Car || gift voucher purchases (done via HDFC Smartbuy platform)
✓ 8.6% reward at select partners – Marks & Spencer, Myntra, Reliance Digital, Nykaa (both online and offline spends, not through HDFC Smartbuy) 
- You get 13.3 reward points worth ₹8.6, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.65, and can be redeemed on ‘exclusive Gold Catalogue' on select premium brands’ via HDFC Smartbuy platform
Note : You can also redeem your reward points for a lower value as given below-
- You get 13.3 reward points worth ₹6.6, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
- You get 13.3 reward points worth ₹4.6, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 13.3 reward points worth ₹2.6, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

(10X)
17.3% reward on hotels booking || purchases at IGP.com & Jockey (done via HDFC Smartbuy platform)
- You get 26.6 reward points worth ₹17.3, on every ₹100 spent on the card in these categories. 1 reward point = ₹0.65, and can be redeemed on ‘exclusive Gold Catalogue' on select premium brands’ via HDFC Smartbuy platform
Note : You can also redeem your reward points for a lower value as given below-
- You get 26.6 reward points worth ₹13.3, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
- You get 26.6 reward points worth ₹9.3, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 26.6 reward points worth ₹5.3, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

Limits & restrictions on earning special reward points :
– On 3X-10X accelerated rewards, through HDFC Smartbuy: Maximum 4000 accelerated reward points per calendar month
– On 5X rewards on direct online & offline spends at select partners (Marks & Spencer, Myntra, Reliance Digital, Nykaa) : Maximum 5000 accelerated reward points per calendar month, i.e. you earn 5X rewards on total monthly purchases upto ₹37500 across these partners.

ADDITIONAL MILESTONE BENEFITS, UPTO 2.1%
– ₹1500 voucher, at quarterly card spend of ₹1.50 lakh (you can select voucher from Marriott, Myntra, Marks & Spencer or Reliance Digital)
– One ₹5000 flight ticket voucher, at annual card spend of ₹5 lakh
– One additional ₹5000 flight ticket voucher, at annual card spend of ₹7.50 lakhs
Hence you can potentially earn ₹16000 worth of vouchers, if you hit all the above card spend targets.

OTHER BENEFITS

Complimentary international airport lounge – upto 6 times per year

Complimentary airport lounge access in India – upto 12 times per year

Low fee of 2% on international transactions

Complimentary insurance benefits
– accidental air death cover worth ₹1 crore
– emergency overseas hospitalisation coverage of up to ₹15 lakhs
– lost card liability cover of up to ₹9 lakhs

Benefits
– One of the most popular cards, the card offers accelerated benefits of upto 17.3% on various shopping and travel partners on HDFC Smartbuy platform.
– Milestone program offers an opportunity to earn 1%-2% rewards
– Good lifestyle perks like complimentary airport lounge access, and complimentary Club Vistara Silver Tier and MMT Black Elite membership.

Drawbacks to consider 
– Reward rates on the non-promoted categories is not high

UPTO 10X REWARDS ON CARD SPENDS

(X)
1.3% reward on all card spends
- You get 2.6 reward points worth ₹1.3, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
Note : You can also redeem your reward points for a lower value as given below-
- You get 2.6 reward points worth ₹0.9, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem on the exclusive reward redemption catalogue via HDFC Smartbuy platform
- You get 2.6 reward points worth ₹0.5, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance 
Exceptions – no reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions.

(3X)
4% reward on Flipkart purchases || rail tickets bookings (done via HDFC Smartbuy platform)
- You get 8 reward points worth ₹4, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
Note : You can also redeem your reward points for a lower value as given below-
- You get 8 reward points worth ₹2.8, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem on the exclusive reward redemption catalogue via HDFC Smartbuy platform
- You get 8 reward points worth ₹1.6, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

(5X)
✓ 6.6% reward on flights & bus booking || shopping purchases at Apple, Nyka, Zoom Car || gift voucher purchases (done via HDFC Smartbuy platform)
✓ 6.6% reward at select partners – Swiggy, Zomato (not through HDFC Smartbuy)
- You get 13.3 reward points worth ₹6.6, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
Note : You can also redeem your reward points for a lower value as given below-
- You get 13.3 reward points worth ₹4.6, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem on the exclusive reward redemption catalogue via HDFC Smartbuy platform
- You get 13.3 reward points worth ₹2.6, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

(10X)
13.3% reward on hotels booking || purchases at IGP.com & Jockey (done via HDFC Smartbuy platform)
- You get 26.6 reward points worth ₹13.3, on every ₹100 spent on the card. 1 reward point = ₹0.50, if you redeem for flights & hotel bookings via HDFC Smartbuy platform.
Note : You can also redeem your reward points for a lower value as given below-
- You get 26.6 reward points worth ₹9.3, on every ₹100 spent on the card. 1 reward point = ₹0.35, if you redeem for vouchers and products via HDFC Smartbuy platform.
- You get 26.6 reward points worth ₹5.3, on every ₹100 spent on the card. 1 reward point = ₹0.20, if you redeem for cashback against card statement balance

Limits & restrictions on earning special reward points :
– On 3X-10X accelerated rewards, through HDFC Smartbuy: Maximum 4000 accelerated reward points per calendar month
– On 5X rewards on direct spends at select partners (Swiggy & Zomato) – Maximum 2500 accelerated reward points per calendar month, i.e. you earn 5X rewards on total monthly purchases upto ~₹23400 across these partners.

ADDITIONAL MILESTONE BENEFITS, UPTO 1%
– You get a ₹1500 voucher, at quarterly card spend of ₹1.50 lakh (you can select vouchers from Marriott, Decathlon, Barbeque Nation, O2 Spa or Lakme Salon)

OTHER BENEFITS

Complimentary worldwide airport lounge (both international and domestic lounges) – 2 times per quarter
– This is applicable for both primary and add-on cardholders
– This is applicable only if you have a minimum card spend of ₹15000 in the previous quarter

‘Buy 1 Get 1 Free’ on movie/non-movie weekend tickets – via BookMyShow
– Offer is applicable for shows on friday, saturday and sunday (irrespective of booking day).
– Maximum discount is ₹250 on the 2nd ticket
– Upto 2 free tickets per month

Low fee of 2% on international transactions

Complimentary insurance benefits
– accidental air death cover worth ₹1 crore
– emergency overseas hospitalisation coverage of up to ₹25 lakhs
– travel insurance cover of upto USD 80 on baggage delay (USD 10 per hour & restricted to 8 hours)
– lost card liability cover of up to ₹9 lakhs

Exclusive offers from Diners

Benefits
– Accelerated benefits of upto 13.3% on various shopping, travel and other partners
– Good lifestyle perks like complimentary airport lounge access, and complimentary Swiggy One & Times Prime membership.

Drawbacks to consider
– Reward rates on the non-promoted categories is not high