Shopping Credit Cards with Golf Offers in India 2026

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

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

2% benefit on shopping purchases - on purchases upto ₹20,000 per month.
- You earn 10 EDGE reward points worth ₹2, on every ₹100 you spend on shopping purchases – only on purchases upto ₹20,000 per month.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s reward redemption platform.
– This special reward point earning rate is given only on shopping purchases upto ₹20,000 per month, after which you get basic benefit rate of 1%.

1% basic benefit on all other spends
– You earn 5 EDGE reward points worth ₹1, on every ₹100 you spend on all other purchases.
– Exceptions : No reward points are given on the following spends – fuel, rent, wallet load, jewellery, EMI transactions, cash advances, payment of outstanding balances, payment of card fees and other card charges.

Milestone benefits : You get additional benefits, based on annual card spends
– You earn 5000 EDGE points worth ₹1000, when your annual card spend reaches ₹3 lakhs (rent and wallet spends are not included)

Complimentary airport lounge access abroad – 12 times per year
– You get international airport lounge access through the Priority Pass Program
– Priority Pass membership is activated by doing one transaction on your card, within 90 days of receiving the card.
– Your complimentary Priority Pass is renewed each year, only if you spend ₹3 lakhs or more on your card, in the previous year.

Complimentary airport lounge access in India – upto 2 times per quarter

20% discount (upto ₹500) on online grocery purchases at BigBasket
– Offer valid once per month, only on online orders (website, mobile site and app)
– You get 20% discount (upto ₹500), on BigBasket spends. Minimum purchase of ₹2000 is necessary.
– Hence you get 20% discount on a BigBasket orders between ₹2000 and ₹2500, once per month. On an order above ₹2500, your discount percentage will fall below 20%.
– Offer not applicable on products from Bigbasket Specialty Store, and excludes the following products – baby cereals, baby foods, infant formula, organic baby foods and Srilalitha rice of all pack sizes.

BookMyShow BOGO (Buy One Get One Free) movie offer, upto ₹300 per month
– Offer valid once per month.
– You get upto ₹300 off on the 2nd ticket.

Swiggy offer : ₹200 discount (upto 40%) - twice a month
– You can avail this discount 2 times a month
– You get a ₹200 discount, on minimum orders of ₹500, twice a month
– Hence you get a 40% discount on orders of ₹500, discount percentage will fall on orders over ₹500

Dining Delight program with EazyDiner – 25% discount (upto ₹800) at restaurants, once every month
– This offer can be redeemed once every month.
– You get a 25% discount up to ₹800, at over 4000 restaurants nationwide.
– Minimum order amount of ₹2500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount percentage will be below 25%.

Complimentary golf rounds – upto 9 per year
– You get 6 complimentary golf rounds per year.
– You get additional 3 complimentary golf rounds per year, upon reaching ₹3 lakh yearly card spend

Fuel surcharge waiver, upto ₹400 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on upto ₹40,000 fuel spend per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle.

Benefits
– Good benefit rate on offline shopping also (since many cards in the marketplace give high rewards only on online shopping), especially if you combine this with lifestyle benefits (airport lounges and golf), and also various partner programs (BigBasket, BookMyShow, Swiggy and Eazydiner).

Drawbacks to consider
– You may need to consider other cards to earn rewards on your other major spending needs like travel.

Lifetime free card, exclusively for Assam Rifles Personnel

2.50% cashback on department store and grocery purchases – on purchases upto ₹10,000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other 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 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 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 ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Indian Coast Guards Personnel

2.50% cashback on department store and grocery purchases
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other 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 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

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

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Indian Army Personnel

2.50% cashback on department store and grocery purchases
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on total purchases upto ₹10,000 spends per month, across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card statement cycle.

0.50% cashback on all other card spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other 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 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

1% fuel surcharge waiver at all fuel stations across India 
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

2.50% benefit on canteen stores departments (CSD) purchases || grocery purchases || department store purchases (5X)
– You get 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– This is valid only on total monthly purchases upto ₹10,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.50% benefit on all other card spends (X)
– 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 for products, vouchers and more.
– Note : No reward points are given on fuel purchases, utility bills, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal Loan on credit card fees and other charges.

Complimentary international airport lounge access – 2 times per year

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

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

Complimentary golf rounds, upto 4 rounds per month
– You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
– Upto a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

Complimentary insurance benefits
– Personal accident insurance of ₹2 lakh
– Air accident cover of ₹20 lakhs

Benefits
– Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
– Higher benefit of 2.50% on various types of shopping purchases including canteen stores departments (CSD) purchases. And also on grocery and department store purchases
– Complimentary international airport lounge access (2 times per year)
– Complimentary domestic airport lounge access (2 times per quarter)
– Complimentary domestic railway lounge access (2 times per quarter)
– Complimentary golf rounds, upto 4 rounds per month

Drawbacks to consider
– The reward rate on non-shopping spends like travel, fuel etc is low

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

Choice of 10% cashback (upto ₹100 per month per partner) at upto 5 select partners – BigBasket || Swiggy || BookMyShow || Uber || Pharm Easy: Based on the monthly fee package you choose, get cashback at any 2 partners (Silver Plan), any 3 partners (Gold Plan), OR all 5 partners (Platinum Plan)
– Silver Plan : ₹99 monthly fee || 10% cashback (upto ₹100 per month per partner), at any 2 partners
– Gold Plan : ₹149 monthly fee || 10% cashback (upto ₹100 per month per partner) at any 3 partners
– Platinum Plan : ₹249 monthly fee || 10% cashback (upto ₹100 per month per partner) at all 5 partners

Choice of 1% cashback on all card spends, OR 4 reward points on every ₹100 of all card spends
✔︎ Monthly fee for choosing 1% cashback : ₹99
– Cashback is not given on rental payments, fuel transactions, cash advance fee & charges, and EMI transactions.
– Maximum cashback is capped upto ₹1000 per month.
✔︎ Monthly fee for choosing 4 reward points on every ₹100 of all card spends : ₹49
– Reward points are not given on fuel transactions, cash advance, fee & charges, EMI transactions.

Choice of normal plastic card || eco-friendly card || metal card
– One time fee for normal plastic card : Zero
– One time fee for eco-friendly card : ₹249
– One time fee for metal card : ₹3499

Choice of personalising your credit card, with an image you love

Complimentary access to airport lounges in India – 1 per quarter

Complimentary golf rounds – 4 per year

Fuel surcharge waiver
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹250 in all cases

Benefits
– Choice to personalise benefits, as well as appearance of your card
– Monthly fee, and ability to switch plans gives flexibility

Drawbacks to consider
– 10% cashback benefit only given on low spends at the 5 partners

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

3% benefit on online shopping || 1.50% benefit on offline shopping
– You get 12 rewards points (Yes Rewardz Points) worth ₹3, on every ₹100 you spend on online shopping
– You get 6 rewards points (Yes Rewardz Points) worth ₹1.50, on every ₹100 you spend on offline shopping
– 1 reward point = ₹0.25, and can be redeemed for vouchers, products and more.
– Restrictions : You can earn a maximum of 36000 reward points in a month. This would be breached only if you spend more than ₹3 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 0.75% benefit only (3 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.

Complimentary visits to airport lounges in India – 3 per quarter

Complimentary visits to international airport lounges – 6 per year

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

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000

Complimentary insurance benefits
– Lost card liability upto ₹30 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

Benefits
– 3% on online shopping, although there are some important exceptions like grocery & supermarket purchases.
– Complimentary lounge access both in India and abroad
– Complimentary golf rounds

Drawbacks to consider
– Lower rewards and benefits, especially on offline spends

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

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