Premium Credit Cards in India 2026

5% benefit on dining spends || 2.50% benefit on grocery & departmental store purchases, and international spends || 1.25% benefit on all other card spends
– You earn 20 reward points worth ₹5, on every ₹100 spent on dining spends at stand-alone restaurants
– You earn 10 reward point worth ₹2.50, on every ₹100 you spend on grocery & departmental store purchases, and international spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Quarterly and yearly milestone benefits
– You get ₹1000 vouchers, at quarterly card spend of ₹2 lakh
– Complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh

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

Complimentary access to airport lounges outside India – 4 times per quarter (through Priority Pass program)

Complimentary access to railway lounges in India – 2 times per quarter

Birthday benefit of ₹625 : You earn 2500 bonus reward points (worth ₹625), on completing one card transaction on your birthday.

24/7 concierge services : You can customize your travel, entertainment, and leisure experiences with the Global Concierge Assistance. For example, booking of your travel, arranging a golf session, planning a perfect anniversary dinner, and more.

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto your card limit
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.

Fuel surcharge waiver, upto ₹1000 per month
– You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Benefits
– Good lifestyle benefits like airport lounge access, railway lounge access, insurance benefits and more

Drawbacks
– Reward rate on card spending is comparatively low, especially on travel spends

0.50% benefit on all card purchases
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.
Exceptions –
– No reward points are given on fuel purchases.
– 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend).

1% benefit on all international spends
– You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.

ICICI milestone program – upto 0.25% reward
– 2000 reward points worth ₹500, at ₹2 lakhs yearly card spend
– Additional 1000 reward points worth ₹250, on each additional ₹1 lakh you spend during the year
– You can earn a maximum of 10,000 reward points per year, under this program.

Complimentary lounge access at international airports – 2 times per year

Complimentary domestic airport lounge access – 4 per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary spa sessions at airports in India – 2 times per year

Complimentary golf rounds, upto 4 rounds per month
– 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
– Upto a maximum 4 rounds per month
(You can choose to take a free golf lesson, instead of a free golf round)

BOGO ('Buy One Get One Free') at BookMyShow movies, benefits upto ₹1000 per month
– Buy one movie ticket and get upto ₹500 off on the second ticket, at BookMyShow.
– This offer can be availed maximum 2 times per month.

1% fuel surcharge waiver
– You get a 1% waiver fuel surcharge, only on fuel transactions upto ₹4000.

24X7 concierge services : Services include restaurant referral and reservation, flower and gift assistance, hotel referral and reservation, flight referral and reservation, car rental and limousine service, booking and delivery of movie tickets, medical concierge privileges, emergency auto assistance across India

Benefits
– The card card provides some good lifestyle benefits like complimentary access to international & domestic airport lounges, complimentary golf, and BOGO (Buy One Get One Free) offer on movie tickets

Drawbacks to consider
– Reward rate on card spends is low

3.33% reward on all card spends (except specific categories mentioned below)
– You earn 3.33 reward points worth ₹3.33, on every ₹100 you spend on your card
– 1 reward point = ₹1. And can be redeemed on the Bank’s rewards redemption portal (R360) for vouchers, products and more.

2% reward on utilities, supermarkets, insurance, property management, schools & government payments
– You earn 2 reward points worth ₹2,, on every ₹100 you spend in these categories
– 1 reward point = ₹1. And can be redeemed on the Bank’s rewards redemption portal (R360) for vouchers, products and more.

No reward points are given on fuel purchases 

1 complimentary golf round per month, AND 1 complimentary golf lesson per month
– Program is brought to you through Golflan. All bookings need to be made through Golflan.
– For list of applicable golf courses and all terms and conditions, please look at the last section of the enclosed document – SCB Golflan Golf Program

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

Complimentary visits to airport lounges outside India – 1 time per month (through Priority Pass program)
– You get complimentary Priority Pass membership worth USD 99 per year.
– You also get 1 free visit per month, if the minimum card spend in the previous month is ₹20,000.

5% cashback on airport duty-free spends : You earn 5% cashback on duty-free spends, on duty free spends upto ₹20,000 per month (since maximum cashback is restricted to ₹1,000 per monthly card statement cycle)

2% foreign transaction fee : You enjoy reduced foreign currency fee of 2%, on the value of all foreign currency transactions

Insurance covers
✓ Air Accident Insurance worth ₹1 Crore
✓ Travel Insurance Policy : In case of emergencies during travel, the card offers various kinds of coverage, such as
– Baggage delay: Sum insured of USD100
– Loss of baggage & personal documents: Sum insured of USD 750
– Flight delay: Sum insured of USD 200
– Emergency medical expenses: Sum insured of USD 25,000

Benefits
– Competitive flat reward rate of 3.33% on all card spends, except a few specified categories
– Complimentary airport lounge access, both in India and abroad
– Complimentary golf rounds & golf lessons

Drawbacks
– Low reward rate of 2% on supermarket shopping, one can earn a higher shopping reward rate on various cards

Upto 9% benefit on Landmark spends : 3.75% on all Landmark spends || Upto 5.27% additional benefit, based on specified annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores) 
✔︎ 3.75% on all Landmark spends
– You earn 15 reward points worth ₹3.75, on every ₹100 you spend at Landmark outlets.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 5.27% additional benefit on Landmark spends, based on achieving 3 annual card spend levels at Landmark stores-
– 6000 reward points worth ₹1500, at ₹40000 yearly card spend at Landmark stores
– Additional 12000 reward points worth ₹3000, at ₹1 lakh yearly card spend at Landmark stores
– Additional 20,000 reward points worth ₹5000, at ₹1.80 lakh yearly card spend at Landmark stores
Hence you can get a total of 38000 reward points worth ₹9500, at ₹1.80 lakh yearly card spend at Landmark stores – 5.27% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets).

Reward points value and redemption process
– 1 reward point = ₹0.25 or 25 paise (since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.

0.50% basic benefit on all other card spends
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets
– Important exception : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program :
- 20,000 reward points worth ₹5000, at ₹5 lakh yearly card spend on all card purchases - 1% benefit.

Complimentary airport lounge access outside India – 4 times per year (maximum 2 visits per quarter)
– You get complimentary membership to Priority Pass program worth USD 99, which enables international airport lounge access
– You get 4 free visits per year, maximum 2 per quarter
– Additional visits are chargeable

Complimentary airport lounge access in India – 2 times per quarter 

Fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel spends upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 9% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment
– Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

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

10% cashback on Samsung purchases, upto 5000 per month, and upto maximum 20,000 per year
You earn 10% cashback on Samsung purchases subject to below 2 conditions:
– 10% cashback is applicable only on purchases upto ₹2 lakhs per year, since you can earn a maximum cashback of ₹20,000 per year.
– And on purchases upto ₹50,000 per month, since you can earn a maximum cashback of ₹5000 per month

Important terms & conditions:
– Offer applicable on online purchases at – Samsung eStore https://www.samsung.com/in/ and Samsung Shop App
– Offer applicable on online purchases at Flipkart
– Offer applicable at physical stores under ‘Brand EMI’, on Pinelabs terminals and Benow Soft POS machines (on EMI purchases as well)
– Offer applicable at Samsung service centers, on PayU Soft POS machines.

3% benefit at select partners : You earn 15 reward points worth ₹3, on every ₹100 you spend at preferred merchants listed below :
– Zomato
– Bigbasket
– Myntra
– Tata 1mg
– Urban Company

3% benefit on international spends : You earn 15 reward points worth ₹3, on every ₹100 you spend on your card abroad.

1% basic benefit on all other card purchases : You earn 5 reward points worth ₹1, on every ₹100 you spend on all other card purchases.

Complimentary visits to airport lounges in India – upto 8 times per year 

Complimentary visits to airport lounges outside India – upto 6 times per year

Dining benefits through EazyDiner partnership – 25% discount (upto ₹800), once per month
– Valid once a month.
– You get a 25% discount (up to ₹800), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount% will fall below 25%.

Complimentary EazyDiner Prime membership for 1 year 

Fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India, only on fuel transactions between ₹400 and ₹5000.

Benefits
– Good card for purchasing Samsung products, upto 10% cashback
– Special benefits on 5 partners serving diverse needs
– Special benefit on international spending
– Complimentary airport lounge access within India and abroad

Drawbacks
– Attractive benefits are restricted to specific partners
– Low reward on travel spends, hence customers may need to also look for a good travel card

2.50% cashback on departmental store purchases || grocery purchases || dining spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback.

0.50% cashback on all other card spends
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
– Exception : No reward points are given on fuel purchases

Upto 1.50% additional cashback – on achieving 4 yearly credit card spend targets (milestone privileges program)
– You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend
– You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend
– You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend
– You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend
Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.
(1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback)

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

Complimentary visits to airport lounges outside India – 6 times per year
– The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world
– You get complimentary Priority Pass membership worth US$ 99
– You get 6 free airport lounge visits per year (maximum 2 visits per quarter)

Low fee of 1.99% on international spends 

Complimentary Club Vistara Silver membership, benefits include-
– 1 complimentary upgrade voucher
– Priority airport check-in, at premium economy check-in counter
– Increased check-in baggage allowance

Complimentary Trident Privilege membership 
– Upon registration, you receive 1000 bonus welcome points.
– 10% instant saving on bookings made through the hotel website.
– You get 1500 bonus points on your first stay, and an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent

1 complimentary movie ticket (upto ₹250) at Bookmyshow - 2 times per month
– You need to book at least 2 movie tickets, at one time
– 2nd movie ticket is free, upto ₹250
– Offer is valid 2 times per month
– Hence you can get free movie tickets worth ₹6,000 every year (₹500 per month)

1% fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Fraud liability cover : You get a complimentary credit card fraud liability cover of ₹1 lakh.

Benefits
– Attractive reward rate on department store, grocery and dining spends, especially if you utilise the milestone privileges program.
– Shopping benefits have no monthly caps/limits and are valid for both online as well as offline spends.
– Attractive travel benefits like complimentary airport lounge access in India and abroad, low foreign exchange conversion fee, complimentary Club Vistara Silver membership.
– Easy redemption of reward points, since reward points can be converted to cashback and paid into your monthly card statement.
– Complimentary credit card fraud liability cover of ₹1 lakh. This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholders.

Drawbacks to consider
– High annual card spend target of ₹10 lakhs, to get annual fee waiver.
– Reward rate on travel spends is low, hence frequent travellers may need to look at other premium travel cards.

2.50% cashback on departmental store purchases || grocery purchases || movie & dining spends
- You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
- 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.

0.50% basic benefit on all other credit card spends (except fuel)
- You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.
- 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.

Additional reward through milestone benefits
– Pizza Hut e-voucher worth ₹1000, at ₹50000 quarterly card spend
– Yatra.com/Pantaloons e-gift voucher worth ₹7000, at ₹5 lakh annual card spend

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

Complimentary visits to airport lounges outside India – 4 times per year (maximum 2 per quarter)

Complimentary Club Vistara SILVER membership, membership benefits include-
– 1 complimentary upgrade voucher
– 9 Club Vistara points for every ₹100 spent on your Vistara flights
– Priority airport check-in at premium economy check-in counter
– Increased check-in baggage allowance

Complimentary Trident Privilege membership, membership benefits include-
– 10% instant savings on bookings made through the hotel website.
– 1000 bonus welcome points at registration
– 1500 bonus points on your first stay, an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent (excluding taxes)

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹4000 AND
– Only on fuel purchases upto ₹25,000 per month (since the maximum waiver is capped at ₹250 per monthly card statement cycle)

Complimentary credit card fraud liability cover of ₹1 lakh
- This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholder

Benefits
- Attractive benefit on department store, grocery and dining spends, especially if you utilize milestone benefits.
- Shopping benefits have no monthly caps/limits and are valid for both online as well as offline spends
- Attractive travel benefits like complimentary airport lounge access in India and abroad, complimentary Club Vistara Silver membership
- Easy redemption of reward points, since reward points can be converted to cashback

Drawbacks to consider
- Reward rate on travel spends is low, hence frequent travellers may need to look at premium travel cards

5% benefit on international spends & weekend dining spends || 0.50% benefit on all other card spends
– You get 20 reward points (worth ₹5), on every ₹100 you spend abroad and on weekend dining spends. This benefit is given on total purchases upto ₹10,000 per month, in these categories.
– You get 2 reward points (worth ₹0.50), on every ₹100 you spend on all other card purchases.
– 1 reward point ≈ ₹0.25, on travel and shopping redemptions usually. Please note that on certain redemption options the value of 1 reward point could be as low as 11 paise. Please visit RBL’s reward redemption platform for the exact values on different options.
– Exceptions : You will not earn reward points on the following card spends – fuel, railways, utility bills, rental, wallet loads & insurance.

Milestone benefit, of upto 1.4%
– You get 10,000 reward points (worth ≈ ₹2500), at yearly card spend of ₹3 lakhs
– You get additional 15,000 reward points (worth ≈ ₹3750), at yearly card spend of ₹5 lakhs
– You get additional 20,000 reward points (worth ≈ ₹5000), at yearly card spend of ₹8 lakhs
Hence you get a total of 45000 reward points worth ₹11250, at yearly card spend of ₹8 lakhs – 1.4% benefit

Complimentary access to airport lounges in India – 2 per quarter

Complimentary access to airport lounges outside India
– You get a complimentary Priority Pass membership worth USD 99, which enables access to airport lounges abroad.
– However each lounge visit is chargeable – USD 32 per visit.

Complimentary golf benefits – 4 free golf rounds per year || 1 free golf lesson per month (through Mastercard)

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹400 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 2 times per month.

24/7 Concierge Desk
– Golf course referral and reservation assistance
– Car rental and limousine referral and reservation assistance
– Hotel referral and reservation assistance
– Dining referral and reservation assistance
– Spa, fitness centre, and sports centre Information and referral assistance
– Flower and gift delivery assistance
– Business services
– Special events and performance assistance

Fuel surcharge waiver, upto ₹200 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4000 only, and
– On fuel purchases upto ₹20,000 per month, since the waiver amount is restricted to ₹200 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹200 in all cases

Benefits
– 5% on international spends
– Range of lifestyle benefits such as airport lounge access, movie tickets, golf rounds, concierge services

Drawbacks
– Reward rate on card spending is comparatively low

You can earn upto 9% benefit on Landmark spends : 3.75% on Landmark spends || Upto 5.27% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 3.75% on Landmark spends
– You earn 15 reward points worth ₹3.75 , on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 5.27% additional benefits, based on achieving 3 annual card spend levels at Landmark stores-
1. 6000 reward points worth ₹1500, at ₹40000 yearly card spend at Landmark stores
2. Additional 12000 reward points worth ₹3000, at ₹1 lakh yearly card spend at Landmark stores
3. Additional 20,000 reward points worth ₹5000, at ₹1.80 lakh yearly card spend at Landmark stores
Hence you can get a total of 38000 reward points worth ₹9500, at ₹1.80 lakh yearly card spend at Landmark stores – 5.27% benefit
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores)

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50 , on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.

0.50% basic benefit on all other spends
– You earn 2 reward point worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions – No reward points are earned on fuel purchases.

Upto 1% additional benefit, through milestone program 
- You get 20,000 reward points worth ₹5000, at ₹5 lakh yearly card spend on all card purchases - 1% benefit.

Complimentary airport lounge access outside India – 4 times per year (maximum 2 visits per quarter)
– You get complimentary membership to Priority Pass program worth USD 99, which enables international airport lounge access
– You get 4 free visits per year, maximum 2 per quarter. Additional visits are chargeable.

Complimentary airport lounge access in India – 2 times per quarter 

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹4,000 AND
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 9% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment
– Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)

Drawbacks to consider
– You need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 9% benefit on Landmark spends : 3.75% on all Landmark spends || Upto 5.27% additional benefit, based on specified annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 3.75% on all Landmark spends
– You earn 15 reward points worth ₹3.75, on every ₹100 you spend at Landmark outlets.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 5.27% additional benefit on Landmark spends, based on achieving 3 annual card spend levels at Landmark stores-
– 6000 reward points worth ₹1500, at ₹40000 yearly card spend at Landmark stores
– Additional 12000 reward points worth ₹3000, at ₹1 lakh yearly card spend at Landmark stores
– Additional 20,000 reward points worth ₹5000, at ₹1.80 lakh yearly card spend at Landmark stores
Hence you can get a total of 38000 reward points worth ₹9500, at ₹1.80 lakh yearly card spend at Landmark stores – 5.27% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets).

Reward points value and redemption process
– 1 reward point = ₹0.25 or 25 paise (since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.

0.50% basic benefit on all other card spends
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets
– Important exception : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program 
- 20,000 reward points worth ₹5000, at ₹5 lakh yearly card spend on all card purchases - 1% benefit.

Complimentary airport lounge access outside India – 4 times per year (maximum 2 visits per quarter)
– You get complimentary membership to Priority Pass program worth USD 99, which enables international airport lounge access
– You get 4 free visits per year, maximum 2 per quarter. Additional visits are chargeable

Complimentary airport lounge access in India – 2 times per quarter 

Fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel spends upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 9% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment
– Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 2.50% benefit through card spend based milestone program – White Pass
✔︎ You earn White Pass value at 8 levels of annual card spend–
1. At ₹3 lakh spend, you get 5000 White Pass value worth ₹5000
2. At ₹10 lakh spend, you get additional 15000 White Pass value worth ₹15000
3. At ₹20 lakh spend, you get additional 22000 White Pass value worth ₹22000
4. At ₹30 lakh spend, you get additional 24000 White Pass value worth ₹24000
5. At ₹40 lakh spend, you get additional 26000 White Pass value worth ₹26000
6. At ₹50 lakh spend, you get additional 28000 White Pass value worth ₹28000
7. At ₹75 lakh spend, you get additional 63000 White Pass value worth ₹63000
8. At ₹1 crore spend, you get additional 67000 White Pass value worth ₹67000
✔︎ Hence at ₹1 crore card spend, you would earn a total of 2.50 lakhs White Pass Value worth ₹2.50 lakhs – 2.50% reward rate.
– 1 White Pass = ₹1, you can redeem White Pass value for an exclusive range of gift vouchers of premium brands, flights, hotels and more.
– You can also redeem White Pass for cashback, at a lower rate of 1 White Pass = ₹0.70 (70 paise)

Unlimited complimentary access to airport lounges, both in India and abroad

Complimentary golf across the world – 2 free golf rounds per month

Low foreign transaction fee of 2%

1% fuel surcharge waiver, upto ₹4500 per year 
– only on fuel transactions between ₹400 and ₹4000 and
– only on yearly fuel purchases upto ₹4.50 lakhs per calendar year (since the maximum waiver amount is capped at ₹4500 per year).

Luxury lifestyle management services
– Curated travel experiences : You enjoy a wide range of unique travel experiences organized for you
– Personal shopping team : Curation and negotiation of special purchases and deals on luxury brands for you
– Fine dining reservations : You enjoy tables at the finest restaurants across the world
– Everyday gifting : Special gifts and deliveries for your loved ones
– Exclusive events and experiences : You can access the most sought-after events and experiences around the world

Benefits
– You can get upto 2.50% benefit on all card spends, through the spend based milestone program – White Pass
– You get unlimited complimentary access to airport lounges both in India and abroad
– You get complimentary golf across the world – 2 free golf rounds per month

Drawbacks to consider
– You can get better rewards with other premium cards available in the marketplace

Upto 2.25% benefit through spend based milestone program – White Pass
✔︎ You earn White Pass value at 5 levels of annual card spend-
1. At ₹2 lakh spend, you get 2000 White Pass value worth ₹2000
2. At ₹4 lakh spend, you get additional 4000 White Pass value worth ₹4000
3. At ₹6 lakh spend, you get additional 6000 White Pass value worth ₹6000
4. At ₹9 lakh spend, you get additional 7000 White Pass value worth ₹7000
5. At ₹12 lakh spend, you get additional 8000 White Pass value worth ₹8000
✔︎ Hence at ₹12 lakh spend, you would earn a total of 27000 White Pass Value worth ₹27000 – a 2.25% reward rate.
– 1 White Pass = ₹1, you can redeem White Pass value for an exclusive range of gift vouchers of premium brands, flights, hotels and more.
– You can also redeem White Pass for cashback, at a lower rate of 1 White Pass = ₹0.70 (70 paise)

Complimentary access to international airport lounges – 4 times per year

Complimentary access to domestic airport lounges – 2 times per quarter

Fuel surcharge waiver, upto ₹3500 per year
– You get 1% fuel surcharge waiver, only on fuel transactions between ₹500 and ₹3000, and
– only on yearly fuel purchases upto ₹3.50 lakhs per calendar year (since the maximum waiver amount is capped at ₹3500 per year).

Railway surcharge waiver, upto ₹500 per year
– You get 1.8% to 2.5% railway surcharge waiver , on ticket bookings made at www.irctc.co.in or at railway booking counters.
– Maximum waiver given is ₹500 per calendar year.

Benefits
– Upto 2.25% reward rate on all spends through the milestone based White Pass program
– Complimentary access to airport lounges both in India and abroad

Drawbacks to consider
– You can get better rewards with other premium cards available in the marketplace

No annual fee from the 2nd year onwards

1.9% cashback on online spends (except travel) || 0.75% cashback on offline spends OR
2.50% reward (in terms of Club Vistara Points/InterMiles) on online spends (except travel) || 1% reward (in terms of Club Vistara Points/InterMiles) on all offline spends
– 2.50 rewards points (worth ₹1.87 as cashback or worth 2.50 Club Vistara Points/InterMiles), on every ₹100 you spend on online purchases except travel
– 1 reward point worth (worth ₹0.75 as cashback or worth 1 Club Vistara Points/InterMiles), on every ₹100 you spend on offline purchases
– 1 reward point = ₹0.75, and can be redeemed as cashback into your credit card statement. You can also convert your reward points to Vistara and InterMiles - 1 reward point = 1 Club Vistara Point / 1 InterMile
Please note
– You get 1.50 reward points (worth ₹1.12 as cashback or worth 1.50 Club Vistara Points/InterMiles), on every ₹100 you spend on online travel
– You get 0.70 reward points on every ₹100 you spend in the following categories – utility bills (online and offline), insurance premium, government and education, fees, real estate/rental payments.
– No cashback is given on fuel spends. Call centre transactions and standing instructions are treated as offline spends

Complimentary access to airport lounges in India – 1 per quarter

Complimentary access to airport lounges abroad – 2 per quarter (through Priority Pass program)

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹600 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 3 times per month.

Complimentary golf benefits – 2 free golf rounds per month AND 2 free golf lessons per month

24/7 emergency roadside assistance (Legend Auto Assist)
– Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services)
– This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Total Protect : This covers your card for unauthorised transactions in case of –
– Loss or theft of the card, and
– Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
Protection is upto the credit limit of your credit card.

Air accident cover of ₹25 lakhs

Benefits
– Premium card, with no annual fee from the 2nd year onwards
– Lifestyle benefits such as complimentary airport lounge access both in India and abroad, complimentary golf, movie benefits, emergency roadside assistance, and more

Drawbacks
– You could earn higher reward rates on other premium cards, but which charge an annual fee

▶︎ Lifetime free card, with welcome offers
– You get a welcome voucher worth ₹500, on spending ₹5,000 or more within 30 days of card generation.

▶︎ On monthly card spends upto ₹20000 : 1.50% benefit on online spends (6X) || 0.75% benefit on offline spends (3X)
✓ 1.50% benefit on online spends : You earn 6 reward points worth ₹1.50, on every ₹100 you spend
✓ 0.75% benefit on offline spends : You earn 3 reward points worth 75 paise, on every ₹100 you spend
✓ 1 reward point = ₹0.25 or 25 paise
Note :
– You earn no reward points on fuel, EMI transactions & cash withdrawals.
– You earn 0.25% benefit on insurance spends & utility bill payments (1 reward point worth 25 paise, on every ₹100 you spend)
– You earn 0.75% benefit on rental spends (3 reward point worth 75 paise, on every ₹100 you spend)

▶︎ On monthly card spends above ₹20000 and on your birthday : 2.50% benefit on all spends, online as well as offline (10X)
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend
– 1 reward point = ₹0.25 or 25 paise
– Note : rental & property management related spends, insurance spends, and utility bill payment spends are not be a part of 10X reward program and 10X threshold calculations.

▶︎ 0.25% benefit on insurance spends and utility bill payments (X)
– You earn 1 reward point worth 25 paise, on every ₹100 you spend in this category

▶︎ Complimentary golf benefits – upto 2 golf rounds per month
– You get maximum 2 free golf rounds per month (1 free round for every ₹20,000 you spend on your card in the previous month).

▶︎ Complimentary airport lounge (both domestic and international) & domestic airport spa access – total 4 times per quarter
– You need to spend ₹5000 on your card in the previous month, to avail this offer

▶︎ Complimentary railway lounge access – 4 times per quarter

▶︎ Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹1000 per month
– You get upto ₹500 off on the 2nd ticket, on Paytm mobile app.
– This is valid 2 times per month.

▶︎ Fuel surcharge waiver, upto ₹400 per month
– You get a 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹200 & ₹5000, and
– Only on fuel purchases upto ₹40,000 per month (since the waiver amount is capped at ₹400 per monthly card statement cycle).

▶︎ Emergency complimentary roadside assistance (RSA) package worth ₹1399
- You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure.
- You can avail this benefit up to 4 times a year.

▶︎ Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations
– Cancellation cover for 2 claims up to ₹10000, is available for hotel and flight booking cancellations.

▶︎ Complimentary insurance covers
– You get a ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card.
– You receive a ₹10 lakhs personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
– You get a complimentary air accident cover of ₹1 crore
– You get a complimentary travel insurance cover of USD 1200 : Loss of checked-in baggage – USD 500; delay of checked-in baggage – USD 100; loss of passport and other documents – USD 300; delay in flight – USD 300

Benefits
– Premium card offering, with no annual fee (lifetime free card)
– Range of benefits like complimentary airport & railway lounge access, free golf rounds, movie benefits, roadside assistance, complimentary insurance covers.

Drawbacks to consider
– Reward rates on card spending are comparatively low.

Metal credit card

3% reward (in terms of airmiles) on all card spends
- You earn 3 reward points, on every ₹100 you spend on your credit card. Reward points never expire.
- Reward points can be converted to airmiles. 1 reward point = 1 Club Vistara Point || 1 Air India Flying Return Point || 1 British Airways Avios Mile || 1 Etihad Airways Airmile

Unlimited complimentary access to airport lounges both in India and abroad

Free golf rounds - 24 rounds per year (maximum 2 rounds per month) || Free golf lessons - 12 lessons per year (maximum 2 lessons per month)
- This is a benefit as part of HSBC Premier banking relationship

Low fee of 0.99% on foreign transactions
-This fee is charged is charged on value of foreign transactions

30% off your bill with EazyDiner, upto ₹1,250

Benefits
- Good lifestyle benefits

Drawbacks to consider
- You can get higher rewards on card spends, on other premium travel cards

2% benefit on travel spends, dining spends, and international spends || 1% benefit on all other card spends
– You earn 2 reward points worth ₹2, on every ₹100 spent on travel, dining, and abroad
– You earn 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹1
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Upto 1.3% additional benefit, through monthly milestone program
– You get 1000 reward points worth ₹1000, on monthly card spend of ₹75,000
– Fuel transactions, cash withdrawals and EMI transactions are not eligible for monthly milestone card spend calculation

Complimentary Taj Epicure membership – at ₹12 lakhs annual card spend

Complimentary access to airport lounges in India – 16 per year

Complimentary access to airport lounges outside India – 16 times per year (maximum 4 times per quarter)

Airport meet & assist services, 4 times per year (maximum 1 time per quarter)
– You get end-to-end VIP check-in at select airports in India

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹8000 per year
– Buy one ticket and get up to ₹500 off on the second ticket, through BookMyShow.
– This offer can be availed 16 times per year, maximum 4 times per quarter.

Complimentary golf – 8 free golf rounds/lessons per year (maximum 2 per quarter)

Low fee (forex markup fee) of 0.99% on international card transactions

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto ₹15 lakhs
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.
– Device protection plan on mobile phones, and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.

Fuel surcharge waiver, upto ₹1000 per month
– You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Benefits
– Good lifestyle benefits like airport lounge access, airport meet & assist, golf, movie tickets, insurance benefits and more
– Good annual fee related offers

Drawbacks
– Reward rate on card spending is comparatively low, especially on shopping spen

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)
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, Apple products and Tanishq vouchers 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 purchases || 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, Apple products and Tanishq vouchers 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 gift voucher purchases || flights & bus booking || shopping purchases at Apple, 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, Apple products and Tanishq vouchers 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 || shopping 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, Apple products and Tanishq vouchers 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 15,000 special reward points per calendar month, in the 3X – 10X categories described above.

OTHER BENEFITS ON THE CARD

✓ Unlimited complimentary airport lounge access – both in India and abroad
– International lounge access is available at 1,000+ airport lounges using Priority Pass. This benefit is also available for add on cardholders.

✓ Unlimited free golf rounds in India & abroad. And unlimited free coaching lessons in India

✓ Hotel & dining benefits at ITC Hotels
– You can enjoy a 3-night stay at participating ITC hotels, and only pay for two nights.
– Additionally, you get a 1+1 complimentary buffet offer at participating ITC Hotels across India.

✓ 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 ₹3 crore
– Emergency overseas hospitalisation coverage of upto ₹50 lakhs
– Lost card liability cover of up to ₹9 lakhs.

✓ Fuel surcharge waiver, upto ₹1000 per month : You get 1% fuel surcharge waiver at all fuel stations across India –
– On fuel transactions between ₹400 and ₹1 lakh AND
– Only on upto ₹1 lakh fuel spend per month, since the maximum waiver is capped at ₹1000 per monthly card statement cycle

✓ Dining benefits : 15% discount (upto ₹1000) on all bill payments via Swiggy Dineout at 20,000+ restaurants, and a complimentary Swiggy One Membership Upgrade.

Benefits
– One of the best premium cards in the market – unlimited basic benefit rate of 3.3%, and especially attractive 3X-10X rewards program (upto 33.3% benefit rate) with various shopping and travel partners
– Excellent lifestyle perks like free unlimited lounge access, unlimited golf, complimentary hotel partnerships with ITC Hotels & Club Marriott

Drawbacks to consider
– HDFC Bank INFINIA Credit card is available only through invitation
– Reward rates are very attractive, only if you redeem your reward points for flight & hotel bookings, or at select shopping partners like Apple products & Tanishq. So you will will benefit in most cases, only if you are a frequent traveller

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

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

One Etihad companion voucher at ₹8 lakhs annual card spend
– At ₹8 lakhs yearly card spend, get one free ticket (for your companion), when you buy one award ticket with your Etihad Miles
– At ₹1.50 lakh annual card spend, get 1500 Etihad Miles
– You can redeem Etihad Miles to book flights, hotels, car rentals or for purchasing products at etihadguest.com

6% reward (in terms of Etihad Miles) on Etihad spends
– Get get 6 Etihad Miles, on every ₹100 you spend at Etihad

4% reward (in terms of Etihad Miles) on international spends
– Get get 4 Etihad Miles, on every ₹100 you spend abroad

2% reward (in terms of Etihad Miles) on all other card spends
– Get 2 Etihad Miles, on every ₹100 you spend on all other card transactions

Complimentary airport lounge access outside India – 4 per year

Complimentary airport lounge access in India – 2 per quarter

Complimentary insurance benefits
– Complimentary overseas air accident coverage of ₹50 lakh
– Complimentary fraud liability cover of ₹1 lakh
– Complimentary lost baggage allowance of upto USD 1000

1% fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Applicable only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle

Benefits
– Good card for frequent fliers of Etihad Airlines
– Travel benefits like complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Etihad only, to earn rewards
– You need to consider other cards, to earn rewards on non-travel spends

2% Reward (in terms of Emirates Miles) on all card spends
– Get get 2 Emirates Miles, on every ₹100 you spend on your card

Free airport lounge access in India – 2 per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Free airport lounge access abroad and domestic spa access – 2 per year
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary Emirates Skywards Silver membership
– You get complimentary Emirates Skywards Silver membership, at the time of joining
– This membership is renewed in the 2nd year, only if you have spent a minimum of ₹5 lakh on your card in the previous year (milestone benefit)

BOGO (Buy One Get One Free movie ticket upto ₹500) at BookMyShow movies - 2 times per month
– Buy one movie ticket and get upto ₹500 off on the second ticket, at BookMyShow.
– This offer can be availed maximum 2 times per month.

Fuel surcharge waiver upto ₹250 per month, only at HPCL pumps
– You get 1% fuel surcharge waiver, on HPCL fuel transactions between ₹400 and ₹4000 only, and
– Only on fuel spends upto ₹25000 per month, since the maximum waiver is capped at ₹250 per month.

Benefits
– Good card for frequent fliers of Emirates Airlines
– Travel benefits like complimentary lounge access
- Movie benefits

Drawbacks to consider
– You are restricted to fly Emirates only, to earn rewards

2.50% Reward (in terms of Emirates miles) on all card spends
– You get 2.50 Emirates Miles, on every ₹100 you spend on your card

Unlimited free airport lounge access both in India and abroad, as well as domestic spa sessions in India

Complimentary Emirates Skywards Silver membership

Milestone benefit – complimentary Emirates Skywards Gold membership, at ₹15 lakhs annual card spend (out of which minimum ₹1.50 lakhs should be on Emirates)

BOGO (Buy One Get One Free movie ticket upto ₹750) at BookMyShow movies - 4 times per month
– Buy one movie ticket and get up to ₹750 off on the second ticket, at BookMyShow.
– This offer can be availed maximum 4 times per month.

Fuel surcharge waiver
– You get 1% fuel surcharge waiver, on all fuel transactions upto ₹4000, at any fuel outlet

Benefits
– Good card for frequent fliers of Emirates Airlines
– Travel benefits like unlimited complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Emirates only, to earn rewards

3.75% cashback on travel spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on travel (1 reward point = ₹0.25, and can be redeemed for cashback)

3.75% cashback on ‘online shopping’ (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on ‘online shopping’ (1 reward point = ₹0.25, and can be redeemed for cashback)

3.75% cashback on dining spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on dining (1 reward point = ₹0.25, and can be redeemed for cashback)

3.75% special benefit on international transactions (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend outside India (1 reward point = ₹0.25, and can be redeemed for cashback)

0.75% basic benefit on all other card spends : You earn 3 reward points worth ₹0.75 (75 paise), on every ₹100 you spend on all other card purchases (1 reward point = ₹0.25, and can be redeemed for cashback).
Exceptions –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1.5 reward points worth 37 paise, on every ₹100 you spend in these categories.

Upto 1.50% additional benefit, on achieving 2 card spend levels (milestone rewards)
– You earn 10,000 points worth ₹2500, at ₹50,000 card spend within 60 days of card issuance date
– You earn 20,000 points worth ₹5000, at ₹5 lakhs yearly card spend
Hence you can earn a total of 30,000 bonus reward points worth ₹7500, at 5 lakhs yearly card spend - 1.50% benefit 
(1 reward point = ₹0.25, and can be redeemed for cashback)

Unlimited complimentary visits to airport lounges in India

Low fee of 2% on international spends 
- You enjoy a reduced forex markup fee of 2% on international transactions, while you earn 3.75% benefit rate on these spends

1 complimentary movie ticket (upto ₹250) once a month – at Paytm Movies
– You get ‘Buy One Get One Free’ movie offer (BOGO) at Paytm Movies. 2nd movie ticket is free, upto maximum ₹250 off
– You can enjoy this offer maximum 1 time per month
Hence you can get movie tickets worth ₹3,000 every year (₹250 per month)

Complimentary 6-month FitPass Pro membership : You get a 6-month FitPass Pro membership worth ₹15,000.

Complimentary golf rounds & golf lessons
✓ Cardholders who have Mastercard version of card-
– 4 free golf rounds per year (not more than 1 free golf round per month)
– 12 free golf lessons per year (not more than 1 free golf lesson per month)
✓ Cardholders who have Visa version of card
– 4 free lessons per year (but not more than 1 free golf lesson per quarter)
– 15% discount on golf rounds

1% fuel surcharge waiver, upto ₹250 per month : You get fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Complementary personal accidental death cover – providing coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel.

Benefits
– Good cashback 3.75% on various categories – travel, online spending, dining & international spending.
– Opportunity to earn upto 1.50% more, if you spend ₹5 lakhs on your card in a year. Hence you have the opportunity to earn around 4-5% on a large part of your spending needs.
– Unlimited free airport lounge access in India
– Attractive lifestyle & fitness benefits – complementary golf rounds & golf lessons, as well as gym memberships
– Appealing benefits on international spending : You earn 3.75% cashback on international spending, at the same time you enjoy reduced fee of 2% on these spends.

Drawbacks to consider
– Complimentary access to international airport lounges is not available.
– Benefit rate for offline shopping (in-store shopping) is low

Upto 4 Vistara premium economy tickets based on annual card spend (milestone program)
– 1 premium economy ticket, at yearly card spend of ₹1.50 lakh
– 1 additional premium economy ticket, at yearly card spend of ₹3 lakh
– 1 additional premium economy ticket, at yearly card spend of ₹4.50 lakh
– 1 additional premium economy ticket, at yearly card spend of ₹9 lakh
Note : Following spends are not counted towards achieving the yearly card spend targets : rent & wallet transactions, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

2% reward (in Club Vistara points), on all card spends
– You earn 2 Club Vistara Points, on every ₹100 you spend on your card.
– Club Vistara Points can be redeemed on Vistara flights and upgrades.
Exceptions : You do not earn Club Vistara Points on the following spends – fuel, rent, wallet loads, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

Complimentary ‘Club Vistara Silver Membership’
– gives you complimentary services like priority checkin, addition baggage allowance, upgrade vouchers

Complimentary visits to airport lounges in India – 2 per quarter

Complimentary golf – upto 3 rounds per year

Dining benefits (Dining Delights program)
– Offer valid once per month
– 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Minimum order amount of ₹2,500
– Hence you get a 25% discount on orders between ₹2,500 and ₹3200. On orders above ₹3200, your discount percentage will fall below 25%

Benefits
– Good card for Vistara premium economy travellers
– Travel benefits like complimentary lounge access, priority services through complimentary Club Vistara Silver Membership

Drawbacks to consider
– You are restricted to fly Vistara only, to earn rewards

Upto 4 Vistara business class tickets based on annual card spend (milestone program)
– 1 business class ticket, at ₹2.50 lakhs yearly card spend
– 1 additional business class ticket, at ₹5 lakhs yearly card spend
– 1 additional business class ticket, at ₹7.50 lakhs yearly card spend
– 1 additional business class ticket, at ₹12 lakhs yearly card spend
Note : Following spends are not counted towards achieving yearly card spend targets : rent & wallet transactions, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

3% benefit (in Club Vistara points), on all card spends
– Get 3 Club Vistara Points, on every ₹100 you spend on your card.
– Club Vistara Points can be redeemed on Vistara flights and upgrades.
Exceptions : You do not earn Club Vistara Points on the following spends – fuel, rent, wallet loads, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

Complimentary ‘Club Vistara Gold Membership’
– Get complimentary services like priority checkin and boarding (business class counters even if you’re flying economy class), additional baggage allowance and priority baggage handling
– Complementary access to Vistara lounges in India (even if you’re flying economy class)

Complimentary visits to airport lounges in India
– As a Club Vistara Gold Member, you get complementary access to Vistara lounges in India (even if you’re flying economy class)
– As a Visa Infinite member, you get complimentary airport lounge access in India, upto 2 per quarter.

Complimentary golf – upto 6 rounds per year

Dining benefits (Dining Delights program) in partnership with EazyDiner, upto ₹1000 per month
– This offer can be redeemed once every month.
– Get 40% discount (up to ₹1000), at over 4,000 restaurants nationwide.
– Minimum order amount to avail discount is ₹2500.
– Hence you get a 40% discount on orders of ₹2500. On orders above ₹2500, your discount percentage will fall below 40%.

15% discount at Trident Hotels

Dedicated 24 X 7 concierge desk 
– Complimentary assistance with various services such as flight bookings, table reservations, exclusive events/shows, and gift deliveries.

Benefits
– Good card for Vistara business class travellers
– Depending on business class ticket prices, it maybe possible to get approximately 10% benefits on your card spends – 7% through the milestone program and 3% on card spends
– Travel benefits like complimentary lounge access, priority services through complimentary Club Vistara Gold Membership
– Attractive golf and dining benefits

Drawbacks to consider
– Not suited for entry level travellers, since benefits are more suitable for frequent business class travellers
– You are restricted to fly Vistara only, to earn rewards
– You need to consider other credit cards, to earn rewards on non-travel spends

Benefits
– Good card for Vistara business class travellers
– Depending on business class ticket prices, it maybe possible to get approximately 10% benefits on your card spends – 7% through the milestone program and 3% on card spends
– Travel benefits like complimentary lounge access, priority services through complimentary Club Vistara Gold Membership
– Attractive golf and dining benefits

Drawbacks to consider
– Not suited for entry level travellers, since benefits are more suitable for frequent business class travellers
– You are restricted to fly Vistara only, to earn rewards
– You need to consider other credit cards, to earn rewards on non-travel spends

ON  MONTHLY CARD SPENDS UPTO ₹1.50 LAKHS, YOU GET BELOW BENEFITS
▶︎ 6% – 12% benefit on travel spends, only via Axis Bank Travel EDGE platform (5X)
✓ 6% benefit (as cashback) : 30 EDGE reward points worth ₹6, on every ₹100 you spend on travel. 1 EDGE reward point = ₹0.20 (20 paise), as cashback
✓ 12% benefit (as partner points of airlines & hotels) : 30 EDGE reward points worth 12 partner points (of airlines & hotels), on every ₹100 you spend on travel. 1 EDGE reward point = 0.40 partner points.
✓ Travel bookings need to be done on Travel EDGE, a travel portal from Axis Bank

▶︎ 1.20% – 2.40% benefit on all non-travel spends (X)
✓ 1.20% benefit (as cashback) : 6 EDGE reward points worth ₹1.20, on every ₹100 you spend. 1 EDGE reward point = ₹0.20 or 20 paise cashback.
✓ 2.40% benefit (as partner points of airlines & hotels) : 6 EDGE reward points worth 2.40 partner points (of airlines & hotels), on every ₹100 you spend. 1 EDGE reward point = 0.40 partner points.
✓ Exceptions : No EDGE reward points given on fuel purchases, insurance spends (amount > ₹5000), and wallet recharge.

ON INCREMENTAL MONTHLY CARD SPENDS ABOVE ₹1.50 LAKHS, YOU GET BELOW BENEFITS
▶︎ 17.50% – 35% benefit on travel spends, only via Axis Bank Travel EDGE platform (5X)
✓ 17.50% benefit (as cashback) : 87.50 EDGE reward points worth ₹17.50, on every ₹100 you spend on travel. 1 EDGE reward point = ₹0.20 or 20 paise cashback.
✓ 35% benefit (as partner points of airlines & hotels) : 87.50 EDGE reward points worth 35 partner points (of airlines & hotels), on every ₹100 you spend on travel. 1 EDGE reward point = 0.40 partner points.
✓ Travel bookings need to be done on Travel EDGE, a travel portal from Axis Bank

▶︎ 3.50% – 7% benefit on all other card spends (X)
✓ 3.50% benefit (as cashback) : 17.50 EDGE reward points worth ₹3.50, on every ₹100 you spend. 1 EDGE reward point = ₹0.20 or 20 paise cashback.
✓ 7% benefit (as partner points of airlines & hotels) : 17.50 EDGE reward points worth 7 partner points (of airlines & hotels), on every ₹100 you spend. 1 EDGE reward point = 0.40 partner points.
– Exceptions : No EDGE reward points given on fuel transactions, insurance spends (amount > ₹5000), and wallet recharge.

Airline & Hotel partners
– Airline partners : AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
– Hotel partners : Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts
– On all partners, 1 EDGE Mile = 2 partner points, except Marriott International where 1 EDGE Miles = 1 partner point.

OTHER BENEFITS
▶︎ Unlimited complimentary airport lounge access – both in India and abroad
– International lounges : Unlimited complimentary international lounge visits through the Priority Pass Program, including 8 guest visits per calendar year.
– Domestic lounges  : You enjoy unlimited complimentary domestic lounge visits in India.

▶︎ Complimentary airport concierge service – 8 times per year
– Complimentary Airport Meet & Greet Services (includes assistance with airport processes like check-in, security check, immigration, and porter services) – 8 times per year
– You can use the services for yourself and your accompanying guests.
– Valid for domestic and international departures/arrivals at 16 airports across India.

▶︎ Movie & dining benefits
✓ BookMyShow benefits, upto ₹2500 per month
– ₹500 off on the second ticket, valid on both movie or non-movie bookings.
– You can use this offer upto 5 times per month
✓ EazyDiner benefits, upto ₹1000 per month
– 40% discount (up to ₹1000), at partner restaurants all over India.
– Minimum order amount of ₹2500
– Offer is valid once a month

▶︎ Reduced forex fee of 2% on international transactions

▶︎ Complimentary insurance coverage
– Counterfeit or lost cards up to the card credit limit
– Purchase protection up to ₹2 lakhs
– Loss or delay in baggage and personal documents (up to US$ 500)
– Credit shield protection up to ₹5 lakhs.

▶︎ 1% fuel surcharge waiver – at all fuel stations across India, on fuel purchases between ₹400 and ₹4000.

Benefits
– Ideal for frequent travellers, especially very high spenders
– Very good lifestyle benefits especially travel related like unlimited complimentary access to airport lounges both within India and abroad

Drawbacks to consider
– For non-travellers, this may not be a very attractive card, since the higher reward rates are available only on travel spends
– High annual card spend target to get annual fee waived of from 2nd year onwards

▶︎ 5% – 10% special benefit on travel spends
✓ 5% benefit (when you use your reward points for flights & hotel bookings) : 5 reward points (called EDGE Miles) worth ₹5, on every ₹100 spent you spend on travel. 1 EDGE Mile = ₹1, when you redeem EDGE Miles for flight & hotel bookings on Axis Travel EDGE Portal.
✓ 10% benefit (when you convert your reward points to partner points of airlines & hotels) : 5 reward points (called EDGE Miles) worth 10 partner points of airlines & hotels, on every ₹100 spent you spend on travel purchases. 1 EDGE Mile = 2 partner points of various airlines & hotel partners.
✓ Travel purchases – means airline & hotel purchases done on Axis Travel EDGE Portal, and on direct airline & hotels. Bookings made through travel agents, including online travel agents are only eligible for basic benefit ( 2 Miles on every ₹100 spent).

▶︎ 2% – 4% basic benefit on all other card spends
✓ 2% benefit (when you use your reward points for flights & hotel bookings) : 2 reward points (called EDGE Miles) worth ₹2, on every ₹100 you spend on all other card purchases. 1 EDGE Mile = ₹1, when you redeem EDGE Miles for flight tickets & hotel bookings on Axis Travel EDGE Portal
✓ 4% benefit (when you convert your reward points to partner points of airlines & hotels) : 2 reward points (called EDGE Miles) worth 4 partner points of airlines & hotels, on every ₹100 you spend on all other purchases. 1 EDGE Mile = 2 partner points of various airlines & hotel partners.
✓ Exceptions : No EDGE Miles given on fuel transactions, insurance (amount > ₹5000), and wallet recharge.

Airline & Hotel partners
– Airline partners: AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
– Hotel partners: Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts
– 1 EDGE Mile = 2 partner points of above airlines & hotels, except Marriott International where 1 EDGE Miles = 1 partner point.

▶︎ Milestone benefits – based on annual card spends
1. At ₹3 lakh yearly card spend (silver tier) – get 5,000 EDGE Miles (worth ₹5000 OR 10,000 partner points)
2. At ₹7.50 lakh yearly card spend (gold tier) – get 10,000 EDGE Miles (worth ₹10,000 OR 20,000 partner points)
3. At ₹15 lakh yearly card spend (platinum tier) – get 15,000 EDGE Miles (worth ₹15,000 OR 30,000 partner points)
– 1 EDGE Mile = ₹1 (when you redeem EDGE Miles for flight tickets/hotel bookings on Axis Travel EDGE Portal) OR 2 partner points of various airlines & hotel partners.

▶︎ Complimentary international & domestic airport lounge Access – based on tier based system
✓ International airport lounges 
– Silver Tier (at ₹3 lakh yearly card spend) : 4 free visits
– Gold Tier ((at ₹7.50 lakh yearly card spend) : 6 free visits
– Platinum Tier (at ₹15 lakh yearly card spend) : 12 free visits

✓ Domestic airport lounges
– Silver Tier (at ₹3 lakh yearly card spend) : 8 visits per year
– Gold Tier (at ₹7.50 lakh yearly card spend) : 12 visits per year
– Platinum Tier (at ₹15 lakh yearly card spend) : 18 visits per year

▶︎ Complimentary airport concierge services – only for Gold & Platinum Tier cardholders 
– Gold Tier : 2 times per year
– Platinum Tier : 4 times per year
– Service includes assistance across airport processes including check-in, security process, immigration process, and porter services.

▶︎ Complimentary airport pick up services (only for Platinum Tier cardholders) – 2 times per year

Benefits
– Good card for frequent travelers, one can get 10% or more if you use your partner points well
– Good lifestyle benefits for frequent travellers like complimentary lounge access both in India and abroad, concierge services and airport pick up service
– High benefit rate on non-travel purchases as well (4% or more), if you use your partner points well
– Card is virtually free if you spend a minimum of ₹3 lakhs per year

Drawbacks to consider
– High benefit rate is available only if you redeem your reward points on travel purchases, or convert them into partner (airlines & hotels) points. Hence may not be very suitable for those who are not frequent travellers.

30% reward (in terms of Air India Miles) on Air India website/app – only on ticket booking for yourself
– 30 reward points worth 30 Air India Miles, on every 100 you spend in this category
– 1 reward point = 1 Air India Mile. Air India Miles can be used for Air India flight bookings and upgrades.

10% reward (in terms of Air India Miles) on all other Air India spends
– 10 reward points worth 10 Air India Miles, on every 100 you spend in this category. This category includes all ticket bookings at airline counters/ call centre, and also ticket bookings for others on the Air India website/ app.
– 1 reward point = 1 Air India Mile. Air India Miles can be used for Air India flight bookings and upgrades.

4% reward (in terms of Air India Miles) on all other card spends
– 4 reward points worth 4 Air India Miles, on every 100 you spend in this category.
– 1 reward point = 1 Air India Mile. Air India Miles can be used for Air India flight bookings and upgrades.

Upto 5% additional benefit (in terms of Air India Miles), at annual card spends of ₹5 lakhs, ₹10 lakhs and ₹20 lakhs
– 20000 reward points worth 20000 Air India Miles, at ₹5 lakhs annual card spend
– 30000 reward points worth 30000 Air India Miles, at ₹10 lakhs annual card spend
– 50000 reward points worth 50000 Air India Miles, at ₹20 lakhs annual card spend
Hence you can get 1 lakh Air India Miles, at ₹20 lakhs annual card spend – 5% reward.

Free visits to airport lounges in India – 2 per quarter

Free Priority Pass membership worth USD 99, to access airport lounges abroad
– Usage of lounges is chargeable, on a per visit basis

1% fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle

Benefits
– Good card for frequent fliers of Air India
– Travel benefits like complimentary lounge access

Drawbacks to consider
– You are restricted to fly Air India only, to earn rewards
– You need to consider other cards, to earn rewards on other spends like shopping, fuel, bill payments etc.

4.50% benefit on online shopping || 2.25% benefit on offline shopping
– You get 18 rewards points (Yes Rewardz Points) worth ₹4.50, on every ₹100 you spend on online shopping (see exceptions below)
– You get 9 rewards points (Yes Rewardz Points) worth ₹2.25, on every ₹100 you spend on offline spends
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– Restrictions : You can earn a maximum of 1 lakh reward points in a month. This would be breached only if you spend more than ₹5.55 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 1.25% benefit only (5 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Unlimited free visits to international airport lounges

Complimentary visits to airport lounges in India – 6 per quarter

Guest visits to airport lounges (domestic or international) – 8 per year

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹2400 per month
– Buy one ticket and get up to ₹800 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 3 times per month.

Low fee (foreign currency markup) of 1% on international transactions

Fuel surcharge waiver, upto ₹1000 per month 
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto 1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Complimentary insurance benefits
– Lost card liability of ₹15 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹15 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death
– Purchase protection plan : Cover against accidental damage for 6 months, for mobile & electronic devices purchased online

Benefits
– 4.50% on online shopping, although there are some important exceptions like grocery & supermarket purchases.
– Complimentary lounge access both in India (6 per quarter) and abroad (unlimited)
– Complimentary golf rounds (4 per year)
– Low fee of 1% on international transactions

Drawbacks to consider
– Can get higher rewards on other premium cards, especially on certain spends like supermarket purchases