Premium Credit Cards with Flight Booking Offers in India 2026

▶︎ 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.

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

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

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.

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

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

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

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

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

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

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

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

OTHER BENEFITS 

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

✓ Complimentary golf rounds worldwide – 6 per quarter

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

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

✓ 24/7 personal global concierge services

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

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

✓ Exclusive offers from Diners

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

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

UPTO 10X REWARDS ON CARD SPENDS

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

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

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

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

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

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

OTHER BENEFITS

Complimentary international airport lounge – upto 6 times per year

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

Low fee of 2% on international transactions

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

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

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

UPTO 10X REWARDS ON CARD SPENDS

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

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

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

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

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

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

OTHER BENEFITS

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

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

Low fee of 2% on international transactions

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

Exclusive offers from Diners

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

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