Travel Credit Cards in India 2026

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

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

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

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

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

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

7% cashback on all Ola rides
– Get 7 reward points worth ₹7, on every ₹100 you spend on Ola rides
– 1 reward point = ₹1, and is credited as cashback into your Ola Money Wallet. You can use OlaMoney to pay for everything starting from your cab fares, mobile bills, DTH recharges, electricity & gas bills, and for online shopping. Some of the premium partners include BookMyShow, eBay, Dominos, Cleartrip, and OYO Rooms.

5-12% cashback at Cleartrip : 5% on flights || 10% on domestic hotels || 6% on international hotels || 12% on activities
– Cashback is credited into your Ola Money Wallet.

1% cashback on all other card spends
– You get 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
– 1 reward point = ₹1, and is credited as cashback into your Ola Money Wallet.

Fuel surcharge waiver upto ₹100 per month
– You get 1% fuel surcharge waiver on fuel spends upto ₹10000 per month, since the maximum waiver is capped at ₹100 per month.

Benefits
– Good card for frequent users of Ola rides
– Cashback offers at Cleartrip

Drawbacks to consider
– You need to consider other cards to earn higher rewards on non-Ola spends, and shopping spends

10.80% benefit on AC class rail ticket bookings on IRCTC (in non-peak season)
✔︎ 10% benefit
– You earn 10 reward points worth ₹10, on every ₹100 spent in this category
– This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
✔︎ 0.80% benefit
– You also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets.
(1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC).

4.80% benefit on AC class rail ticket bookings on IRCTC (in peak season)
✔︎ 4% benefit
– You earn 4 reward points worth ₹4, on every ₹100 spent in this category
– This benefit is valid for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
✔︎ 0.80% benefit
– You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets
(1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC).

0.80% benefit on all other card spends
– You earn 0.80 reward points worth ₹0.80 or 80 paise, on every ₹100 you spend on all other purchases (excluding fuel).
– 1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC.

Complimentary railway lounge access – 1 per quarter

1% transaction charges waiver – on railway ticket bookings on www.irctc.co.in

Fuel surcharge waiver, upto ₹100 per month : You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month (since the maximum waiver is capped at ₹100 per monthly card statement cycle)

Benefits
– Good benefit of upto 10.80% on AC class railway tickets – 10.80% in non-peak season, and 4.80% in peak season.
– Complimentary access to railway lounges – once per quarter.

Drawbacks to consider
– You need to consider other cards to earn higher rewards on non-railway spends
– No discount on non-AC rail tickets.

Lifetime free card

Co-branded credit card by Tiger Fintech (a Bajaj Capital group company), with IndusInd Bank

Slabwise benefit, depending on level of annual card spend
– On annual card spend upto ₹1 lakh : You earn 1 reward point worth ₹0.40 cashback OR 1.2 airmiles, on every ₹100 you spend
– On annual card spend between ₹1 lakh & ₹2.50 lakh : You earn 2 reward points worth ₹0.80 cashback OR 2.4 airmiles on every ₹100 you spend
– On annual card spend between ₹2.50 lakh & ₹5 lakh : You earn 4 reward points worth ₹1.60 cashback OR 4.8 airmiles, on every ₹100 you spend
– On annual card spend above ₹5 lakhs : You earn 6 reward points worth ₹2.40 cashback OR 7.2 airmiles, on every ₹100 you spend
– 1 reward point = ₹0.40 cashback OR 1.2 airmiles (Club Vistara Points or InterMiles)
– Exceptions : No reward points are given on the following card spends – fuel, utility bill payments, insurance premium, government services, educational Institutes, real estate and rental payments.

Lets take 2 examples to get effective benefit rate :
✔︎ At ₹6 lakhs annual card spend, you would earn a total of 20000 reward points worth ₹8000 as cashback (1.3% benefit), OR 24000 airmiles (4% benefit)
✔︎ At ₹3 lakhs spend, you would earn a total of 6000 reward points worth ₹2400 as cashback (0.8% benefit), OR 7200 airmiles (2.4% benefit)

Complimentary access to airport lounges in India – 2 per quarter (through DreamFolks program)

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

Complimentary golf benefits – 1 free golf round per quarter OR 1 free golf lesson per quarter

1 free movie ticket (upto ₹500), every 6 months – at BookMyShow
– You can get a maximum of 2 free movie tickets per year (upto ₹500 each)

Low fee (forex markup) of 1.50% on international card transactions

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.

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only

Benefits
– Lifetime free card
– Good benefit rate on card spends, especially at higher annual card spends and if you convert your reward points to Club Vistara Points or InterMiles
– Lifestyle benefits such as complimentary airport lounge access both in India and abroad, complimentary golf, movie benefits, emergency roadside assistance, and more
– Such reward rates and lifestyle benefits, are not easy to find in most lifetime free cards in India

Drawbacks
– You could earn higher reward rates, especially if you choose a card with annual fee

3% benefit on Indigo spends
– You earn 6 reward points (called 6E reward points) worth ₹6, on every ₹100 you spend at Indigo.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Not valid on group, corporate, SME and agent bookings.
– Reward points are valid for 2 years from date of issuance.

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

1% benefits on all other card spends 
– You earn 1 reward point (6E reward point) worth ₹1, on every ₹100 spend you spend on all other spends.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Reward points are valid for 2 years from date of issuance.
– Exception : No reward points are given on rent, wallet, education and government spends.

Benefits
– 3% reward rate on Indigo spends
– Higher reward rate of 2% on grocery purchases, dining expenditure and entertainment spends
– Good welcome offer worth over ₹1500

Drawbacks to consider
– No renewal offer, so this card is beneficial only if you fly frequently on Indigo

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

3% benefit on entertainment, dining & grocery spends 
– You earn 3 reward points (6E reward points) worth ₹3, on every ₹100 spend you spend on entertainment, dining & grocery.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.

2% benefits on all other spends :
– You earn 2 reward point (6E reward point) worth ₹2, on every ₹100 spend you spend on all other spends.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Exception : No reward points are given on wallet transactions.

Complimentary domestic airport lounge access – 2 per quarter

Benefits
– Attractive benefit rate of 6% on Indigo spends
– Good benefit rate of 3% on grocery purchases, dining expenditure and entertainment spends
– Complimentary airport lounge access in India (2 per quarter)

Drawbacks to consider
– No renewal offer, so this card is beneficial only if you fly frequently on Indigo

▶︎ 1.3% benefit on specific travel and shopping categories – Travel Agencies & Tour Operators || Package Tour Operators || Airlines and Air Carriers || Departmental Stores || Durable Goods || Electric Sales
– You earn 5.33 reward points worth ₹1.3, on every ₹100 you spend in these travel and shopping categories.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

▶︎ 0.66% benefit on all other card spends – if total yearly card spend is below ₹2 lakhs
– You earn 2.66 reward points worth ₹0.66 or 66 paise, on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

▶︎ 1.33% benefit on all other card spends – if total yearly card spend is above ₹2 lakhs
– You earn 5.33 reward points worth ₹1.3, on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

▶︎ Milestone benefits upto 2%
– You get 10,000 reward points worth ₹2500 , when you spend ₹1,25,000 or more on your card every 6 months.

▶︎ Complimentary airport lounge access in India – 2 per quarter

▶︎ Fuel surcharge waiver : You get 1% fuel surcharge waiver
– only on fuel transactions between ₹500 and ₹3000
– only on yearly fuel purchases of upto ₹3.50 lakhs (since the maximum waiver amount is limited to ₹3500 per year).

▶︎ Rail surcharge waiver
– At www.irctc.co.in, and on Indian Railways Booking Counters
– Maximum railway surcharge waiver allowed in a calendar year is ₹500
– Customers will not earn reward points on railway transactions

▶︎ Dedicated service – ‘KASSIST’
– Instead of you trying to reach Kotak, they will reach you. You need to SMS “KASSIST” to 5676788, and they will call you back within 30 minutes.

▶︎ Card sourcing locations – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

Benefits
– Good travel and shopping rewards possible, for those who spend approximately 20,000 per month. This can help you earn around 3% on all your card spends since you will achieve milestone benefits, as well as achieve card spend target to achieve annual fee waiver
– Complimentary domestic airport lounge access

Cons
– Benefits are low if your card spending is low, and you do not achieve milestone benefits

3% benefit on hotel bookings & holiday bookings || 2% benefit on flight bookings – on MakeMyTrip only
– On MakeMyTrip : 3 MyCash Points worth ₹3, on every ₹100 you spend on hotel bookings & holiday bookings || 2 MyCash Points worth ₹2, on every ₹100 you spend on flight bookings
– 1 MyCash Point = ₹1. MyCash Points are available in your MakeMyTrip wallet (MyWallet), and can be used to make travel bookings on MakeMyTrip, or to purchase partner vouchers through MakeMyTrip. MyCash cannot be used for rail bookings, offline holiday bookings and ‘Pay at Hotel’ bookings
– My Cash is valid for 1 year

1.25% benefit on international spends
– You earn 1.25 MyCash Points worth ₹1.25, on every ₹100 you spend on your card outside India. 1 MyCash Point = ₹1.

1% benefit on all other card spends
– You earn 1 MyCash Points worth ₹1, on every 100 you spend on all other card purchases. 1 MyCash Point = ₹1.
– Exception : No rewards are given on fuel spends, cash advances, card fees & charges, EMI transactions, balance transfer (BT), personal loan on cards.

Milestone program – upto 2% additional benefit on MakeMyTrip spends
– 1000 MyCash Points worth ₹1000, at yearly card spend of ₹50,000 on MakeMyTrip (on flights, hotels, or holiday bookings) - 2% benefit
– Additional 1000 MyCash Points worth ₹1000, at yearly card spend of ₹2.50 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings). Hence you could earn a total of 2000 MyCash Points worth ₹2000, at yearly card spend of₹2.50 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings) - 0.80% benefit

Complimentary domestic airport lounge access – 1 time per quarter

Complimentary domestic railway lounge access – 1 time per quarter

25% discount (upto ₹100) on movie tickets at BookMyShow and Inox - 2 times per month
– You can avail this offer 2 times a month at BookMyShow, and 2 times a month at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
– Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver, only on HPCL fuel transactions below ₹4000.

Benefits
– Good starter travel credit card, free from 2nd year onwards
– Complimentary domestic airport lounge access, and complimentary railway lounge access
– Movie benefits

Drawbacks to consider
– Reward earning is restricted to MakeMyTrip platform
– You need to consider other credit cards to earn rewards on non-travel card spends

4% benefit on hotel bookings & holiday bookings || 2% benefit on flight bookings – only on MakeMyTrip
– On MakeMyTrip : 4 MyCash Points worth ₹4, on every ₹100 you spend on hotel & holiday bookings || 2 MyCash Points worth ₹2, on every ₹100 you spend on flight bookings
– 1 MyCash Point = ₹1. MyCash Points are available in your MakeMyTrip wallet (MyWallet), and can be used to make travel bookings on MakeMyTrip, or to purchase partner vouchers through MakeMyTrip. MyCash cannot be used for rail bookings, offline holiday bookings and ‘Pay at Hotel’ bookings
– MyCash Points are valid for 1 year

1.50% benefit on international card spends
– You earn 1.50 MyCash Points worth ₹1.50, on every ₹100 you spend on your card outside India. 1 MyCash Point = ₹1.

1.25% benefit on all other card spends
– You earn 1.25 MyCash Points worth ₹1.25, on every ₹100 you spend on all other card purchases. 1 MyCash Point = ₹1.
– Exceptions : No rewards are given on fuel spends, cash advances, card fees & charges, EMI transactions, balance transfer (BT), personal loan on cards.

Milestone program – upto 1% additional benefit on MakeMyTrip spends
– 1100 My Cash worth ₹1100, at yearly card spend of ₹2.50 lakh on MakeMyTrip (on flights, hotels, or holiday bookings) ~ 0.4% benefit.
– Additional 4000 My Cash worth ₹4000, at yearly card spend of ₹5 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings). Hence you could earn a total of 5100 My Cash worth ₹5100, at yearly card spend of₹5 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings) ~ 1% benefit.

Complimentary domestic airport lounge access – 2 times per quarter

Complimentary domestic railway lounge access – 1 time per quarter

25% discount (upto ₹150) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow.
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

25% discount (upto ₹150) at INOX movie tickets - 2 times per month
– You can avail this offer 2 times a month, at INOX
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver, only on HPCL fuel transactions below ₹4000.

Benefits
– On MakeMyTrip, can earn upto 3% on hotel & holiday bookings, and upto 2% on flight booking (including milestone benefits).
– Complimentary domestic airport lounge (2 times per quarter), and rail lounge access (once per quarter)
– Movie benefits at Inox and Bookmyshow – upto ₹600 per month
– Good card for frequent users of MakeMyTrip

Drawbacks to consider
– Reward earning is restricted to MakeMyTrip platform
– You would need to consider other credit cards to earn rewards on non-travel card spends

2% benefit (in terms of miles), on all card spends
– You get 2 miles, on every ₹100 you spend on your card
– Exceptions : Miles are not given on the following spends – fuel, wallet load, EMI transactions, payment of fees & charges, cash withdrawals, fraud transactions, interest charges.
– You can redeem your miles on flights and upgrades (on Lufthansa and its partners – Star Alliance airline partners & Miles & More airline partners).
– You can also redeem your miles at other partners – hotels, shopping, car rentals.

Miles never expire – provided you do at least 1 card transaction on your credit card each month

Complimentary access to international airport lounges – 2 times per year

Complimentary access to domestic airport lounges – 4 times per quarter

Benefits
– Good card for frequent fliers of Lufthansa and its airline partners
– Travel benefits like complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Lufthansa & its partners only, to earn rewards

3% benefit (in terms of miles), on all card spends
– You get 3 miles, on every ₹100 you spend on your card
– Exceptions : Miles are not given on the following spends – fuel, wallet load, EMI transactions, payment of fees & charges, cash withdrawals, fraud transactions, interest charges.
– You can redeem your miles on flights and upgrades (on Lufthansa and its partners – Star Alliance airline partners & Miles & More airline partners).
– You can also redeem your miles at other partners – hotels, shopping, car rentals.

Miles never expire – provided you do at least 1 card transaction on your credit card each month

Complimentary access to international airport lounges – 4 times per year

Complimentary access to domestic airport lounges – 8 times per quarter

Benefits
– Good card for frequent fliers of Lufthansa and its airline partners
– Travel benefits like complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Lufthansa & its partners only, to earn rewards

7.50% special discount on Myntra : You get 7.50% discount on Myntra purchases, on all Myntra transactions upto ₹10,000. Since the maximum discount available per transaction is ₹750.

5% cashback on select partners 
– You earn ₹5, on every ₹100 you spend on Swiggy Instamart (grocery) || Swiggy (food delivery) || PVR (movies) || Cleartrip (travel) || Urban Company (beauty salon services, cleaning, home repairs)
– This is valid only on combined total purchases upto ₹20,000, since the maximum cashback is capped at ₹1000 per monthly card statement cycle. If your spends are more than ₹20000 in a month , your effective cashback will drop below 5%.

1.25% cashback on all other card spends :
– You earn ₹1.25, on every ₹100 you spend on all other card purchases.
– Exceptions : You get no cashback on fuel spends, rent payments, wallet recharges, EMI transactions and cash advances.

Additional benefits (quarterly milestone benefits), upto 1%
– You get 2 complimentary PVR tickets valued at ₹250 each, on quarterly card spend of over ₹50,000
– Card spends on rent, wallet, and fuel are not considered valid spends for the above calculation

Complimentary airport lounge access in India – 1 per quarter

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

Benefits
– 7.50% discount on Myntra.
– 5% cashback on 5 select partners, covering a wide range of services.
– Complimentary domestic airport lounge access

Drawbacks to consider
– Cardholders are restricted to specific partners to avail discounts and cashback

5% cashback on various spends at Paytm – Prepaid recharges || Utility bill payments || Movie tickets || Mini App
– You earn 5 cashpoints worth ₹5, on every ₹100 you spend on these Paytm transactions – only on spends upto ₹30000 per month (since maximum cashback at this special rate is restricted to ₹1500 per month)
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

3% cashback on select partners – Swiggy || AJIO || Big Basket || Uber
– You earn 3 cashpoints worth ₹3, on every ₹100 you spend at these select partners – only on spends upto ₹16,666 per month (since maximum cashback at this special rate is restricted to ₹500 per month).
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

1% cashback on all other spends
– You earn 1 cashpoints worth ₹1, on every ₹100 you spend on all other transactions – only on spends upto ₹1,00,000 per month (since maximum cashback is restricted to ₹1,000 per month)
– Exceptions – Cashback is not given on wallet loads, fuel spends, EMI spends, rental spends and government spends.
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

Milestone benefit – additional benefit upto 1%, on quarterly card spend of ₹50,000
– You earn ₹500 upon spending ₹50,000 or more on your card each quarter (only for non-EMI, non-wallet and non-rental card spends).

Complimentary domestic airport lounge access – 2 per quarter

Fuel surcharge waiver at all fuel stations, upto ₹500 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50000 per month, since the maximum waiver is limited to ₹500 per month

Benefits
– Good card for Paytm users, you get good cashback on various Paytm spends
– You also get higher cashback on select partners
– Complimentary domestic airport lounge access – 2 per quarter

Drawbacks to consider
– Not a good card for other major spending needs like shopping, fuel etc.

▶︎ 10.50% benefit on AC class rail ticket bookings on IRCTC – in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)
✔︎ 10% benefit
– You earn 40 reward points worth ₹10, on every ₹100 spent in this category
– This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
– 1 reward point = ₹0.25 (25 paise).
– Reward points will be given in your IRCTC account, on your linked loyalty number, within 5 days after completing eligible rail travel. 4 reward points = 1 IRCTC point = ₹1

Important terms and conditions on earning reward points-
– Reward points are given only on online rail bookings on IRCTC.
– Reward points are given only if you have linked your loyalty number with your IRCTC account (11 digit loyalty number is mentioned on the IRCTC BOB Card below cardholder name).
– Reward points are only given to the primary cardholder, in case the primary cardholder books tickets of family members also.

Important terms and conditions on redeeming reward points-
– You can redeem reward points only through your own IRCTC account
– You can redeem reward points only against full fare of the ticket, part redemption of points and balance payment from your card is not allowed.

✔︎ 0.50% benefit :
– You also also earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

▶︎ 4.50% benefit on AC class rail ticket bookings on IRCTC – in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)
✔︎ 4% benefit
– You earn 16 reward points worth ₹4, on every ₹100 spent in this category
– This benefit is valid only for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
– 1 reward point = ₹0.25 (25 paise).
– Reward points will be given in your IRCTC account, on your linked loyalty number, within 5 days after completing eligible rail travel. 4 reward points = 1 IRCTC point = ₹1
– Important terms and conditions, and redemption process : same as given in section above.

✔︎ 0.50% benefit :
– You also also earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

▶︎ 1% benefit on grocery and department store purchases
– You earn 4 reward points worth ₹1, on every ₹100 you spend in this category.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

▶︎ 0.50% benefit on all other card spends, including UPI spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other spends.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
Note – You can earn a maximum of 500 reward points on UPI spends, per monthly card statement cycle.

▶︎ Complimentary railway lounge access – 1 per quarter

▶︎ 1% transaction charges waiver – on railway ticket bookings on IRCTC

▶︎ 1% fuel surcharge waiver, upto ₹100 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 upto ₹10,000 fuel spend per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good benefit rate of upto 10.50% on AC railway tickets – 10.50% in non-peak season, and 4.50% in peak season.
– Complimentary access to railway lounges – once per quarter.

Drawbacks to consider
– Benefit rate on non-railway spends is low, hence you may need to look at other credit cards also to earn good rewards on your other spends like shopping, fuel, bill payments etc.
– There is no discount on non-AC rail tickets.

3% cashback on following Paytm spends - Travel tickets (flights, train & bus) || Shopping at Paytm Mall || Movie tickets
- You earn ₹3 cashback, on every ₹100 you spend in these categories
- Cashback is credited as Paytm vouchers, in your Paytm Wallet

2% cashback on all other Paytm spends 
- You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)
- Cashback is credited as Paytm vouchers, in your Paytm Wallet

1% cashback benefit on all other card spends (non-Paytm spends)
– You earn ₹1 cashback, on every ₹100 you spend on all other card transactions (no limit on cashback)
– Cashback is credited as Paytm vouchers, in your Paytm Wallet
– Exception : No cashback is given on rent transaction, wallet loads and fuel purchases

Complimentary cyber fraud insurance of ₹1 lakh

1% fuel surcharge waiver at all fuel stations, upto ₹100 per month
– This benefit is valid only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month, since the maximum waiver is restricted to ₹100 per monthly card statement cycle

Benefits :
– Good card for Paytm users, you get upto 3% cashback on a variety of spends

Drawbacks to consider :
– Cashback on non-Paytm purchases is quite low (1%), hence you will need to consider other cards to earn rewards on non-Paytm spends
– Not a good card for people who prefer in-store (face to face) shopping, and do not like online shopping

5% cashback on following Paytm spends - travel bookings (flights, train & bus) || movie tickets || shopping at Paytm Mall
- You earn ₹5 cashback, on every ₹100 you spend in these categories (no limit on cashback)

2% special cashback on all other Paytm spends 
- You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)

1% cashback on all other spends (non-Paytm spends) 
– You earn ₹1 cashback, on every ₹100 you spend on all other transactions (no limit on cashback)
– Exception : No cashback is given on rent transactions, wallet loads and fuel purchases.

Cashback is credited as Paytm vouchers, in your Paytm Wallet

Upto 0.6% additional benefit at certain yearly spend targets (milestone benefits)
– You earn ₹2000 (in gift vouchers), at ₹4 lakhs yearly card spend
– You earn ₹4000 (in gift vouchers), at ₹6 lakhs yearly card spend
(You can choose between gift vouchers of Hush Puppies/Bata OR Pantaloons)

Complimentary access to airport lounges in India - 1 time per quarter 

Free Priority Pass membership worth US $99, for international airport lounges 
– You get free Priority Pass membership for the first 2 years
– While the Priority Pass membership is free, you need to pay for each visit to the lounge (US $32 per visit, please refer to Priority Pass website to get latest charges)

Complimentary cyber fraud insurance of ₹2 lakhs - to protect against unauthorized transactions on your credit card, giving you peace of mind

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

Benefits :
– Good card for Paytm users – since you get upto 5% cashback on a variety of spends, plus milestone related benefits
– Airport lounge benefits

Drawbacks to consider :
– You need to consider other cards to earn higher rewards on non-Paytm purchases
– Not a good card for people who prefer in-store shopping, and do not like online shopping

0% fee on foreign transactions (forex markup charges)
– This is one of the very few cards offering this service

1.25% benefit on travel spends || 0.50% benefit on all other card spends
– You get 5 travel points (worth ₹1.25), on every ₹100 you spend on travel
– You get 2 travel points (worth ₹0.50), on every ₹100 you spend on all other card purchases
– 1 travel 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.
– Note : no travel points are given on international card spends.

Additional milestone benefit, of upto 2.1%
– You get 10,000 travel points (worth ≈ ₹2500), at yearly card spend of ₹2.50 lakhs
– You get additional 15,000 travel points (worth ≈ ₹3750), at yearly card spend of ₹5 lakhs
– You get vouchers worth ₹10,000, at yearly card spend of ₹7.50 lakhs (vouchers are from a variety of premium brands, including Taj Experiences, Amazon, Croma, Myntra, and Makemytrip)
Hence at ₹7.5 lakhs annual card spend, you get 25000 travel points worth ₹6250, and vouchers worth ₹10,000 – meaning a total value of ₹16250 at ₹7.50 lakh annual card spend (2.1% benefit).

Complimentary access to airport lounges in India – 2 per quarter

Complimentary access to airport lounges abroad – 2 per year (through Priority Pass program)
– You can get 1 more free airport lounge visit, if minimum quarterly card spend is ₹50000

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

Complimentary USD 50000 worldwide travel insurance, including medical/health insurance during foreign travel
– Medical insurance, including dental treatment
– Trip delay
– Baggage loss
– Loss of passport

24/7 Concierge Desk
– Golf course Referral and reservation assistance
– Hotel referral and reservation assistance
– Dining referral and reservation assistance
– Spa, fitness centre, and sports centre Information and referral assistance

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4000 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
– 0% fee on foreign card spends, one of the very few cards offering this
– Range of lifestyle benefits like complimentary access to airport lounges, free golf, overseas travel insurance, concierge service
– Decent reward rate on card spends, if you use the milestone benefits well

Drawbacks
– You need to track & meet annual card spend requirements as per the milestone program, to unlock decent reward rates on card spends

7% benefit on Spicejet spends (Spicejet mobile app or website)
– You earn 14 SpiceClub Points worth ₹7, on every ₹100 you spend at Spicejet
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

3% benefit on online food orders || online bill payment || online entertainment
– You earn 6 SpiceClub Points worth ₹3, on every ₹100 you spend in these categories
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

1.50% benefit on all other card spends
– You earn 3 SpiceClub Points worth ₹1.50, on every ₹100 you spend on all other card purchases
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights
- Exceptions : No SpiceClub Points are given on fuel spends, EMI transactions, purchases converted to EMI post facto, wallet loading transactions, cash advances, government services, insurance services, education services, rental payments, payment of outstanding balances, payment of card fees and other card charges.

Upto 1.25% additional milestone benefit
– You get 4000 SpiceClub Points worth ₹2000, at annual card spend of ₹2 lakhs
– You get an additional 6000 SpiceClub Points worth ₹3000, at annual card spend of ₹4 lakhs
Hence you can get a total of 10,000 SpiceClub Points worth ₹5000, at annual card spend of ₹4 lakhs – 1.25% benefit.

Complimentary domestic airport lounge access – 8 per year

Complimentary SpiceClub Gold membership, benefits include –
– Welcome vouchers worth ₹7500
– Priority checkin
– 2 free upgrades & meals
– 1 free change/ cancellation

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 ₹2500 and ₹3200. On orders above ₹3200, your discount percentage will be below 25%.

Fuel surcharge waiver at all fuel stations, upto ₹400 per month
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹40000 per month, since the maximum waiver is limited to ₹400 per month

Benefits
– High reward rate on Spicejet spends
– Good welcome offers

Drawbacks to consider
– You would need to consider other cards, to earn rewards on non-travel spends like shopping, fuel, and more.

4.50% benefit on Spicejet spends (Spicejet mobile app or website)
– You earn 9 SpiceClub Points worth ₹4.50, on every ₹100 you spend at Spicejet
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

1.50% benefit on online food orders || online bill payment || online entertainment
– You earn 3 SpiceClub Points worth ₹1.50, on every ₹100 you spend in these categories
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

0.75% benefit on all other card spends
– You earn 1.50 SpiceClub Points worth ₹0.75 (75 paise), on every ₹100 you spend on all other card purchases
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

Upto 1.25% additional milestone benefit
– 2000 SpiceClub Points worth ₹1000, at annual card spend of ₹1 lakhs
– Additional 3000 SpiceClub Points worth ₹1500, at annual card spend of ₹2 lakhs
Hence you can get a total of 5000 SpiceClub Points worth ₹2500, at annual card spend of ₹2 lakhs – 1.25% benefit.

Complimentary domestic airport lounge access – 4 per year

Complimentary SpiceClub Silver membership

Dining benefits via EazyDiner (Dining Delights program) - upto ₹500 per month
– This offer can be redeemed once every month.
– 15% discount at restaurants, upto ₹500 per month
– Minimum order amount of ₹2,500
Hence you get a 15% discount on an order between ₹2500 and ₹3333, once per month. On orders above ₹3333, your discount percentage will fall below 15%

Fuel surcharge waiver at all fuel stations, upto ₹400 per month
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹40000 per month, since the maximum waiver is limited to ₹400 per month

Benefits
– High reward rate on Spicejet spends, suitable for frequent fliers of Spicejet
– Complimentary airport lounge access, and dining benefits

Drawbacks to consider
– You would need to consider other cards, to earn rewards on non-travel spends like shopping, fuel, and more.

20% discount (upto ₹5000 per month) on domestic hotel bookings on EaseMyTrip - on bookings upto ₹25,000 per month 
– On monthly bookings above ₹25,000, you will only get the maximum discount of ₹5000, hence your discount percentage will fall below 20%.
– You can avail this discount once per month.

20% discount (upto ₹10,000 per month) on international hotel bookings on EaseMyTrip - on bookings upto ₹50,000 per month
– On monthly bookings above ₹50,000 , your discount percentage will fall below 20%.
– You can avail this discount once per month.

10% discount (upto ₹1000 per month) on domestic flight bookings on EaseMyTrip - on bookings upto ₹10,000 per month
– On monthly bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹5000 per month) on international flight bookings on EaseMyTrip - on bookings upto ₹50,000 per month
– On monthly bookings above ₹50,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

₹125 discount (upto 25%) on domestic bus bookings on EaseMyTrip
– On monthly bookings above ₹500 , your discount% will fall below 25%.
– You can avail this discount once per month.

Additional 0.50% benefit on all EaseMyTrip spends
– In addition to the above, you also earn 2 reward points worth ₹0.50, on every ₹100 you spend on above EaseMyTrip spends (including EaseMyTrip spends beyond the monthly limits described above)
1 reward point = ₹0.25 (25 paise), and can be redeemed on R360, the rewards redemption platform of Standard Chartered

2.50% benefit on spends at hotel and airline websites/apps/outlets 
– You earn 10 rewards points worth ₹2.50, on every ₹100 spent at the standalone hotel and airline websites/apps/outlets.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on R360, the rewards redemption platform of Standard Chartered

0.50% basic benefit on all other card spends : You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases

Complimentary airport lounge access in India – 1 per quarter

Complimentary airport lounge access outside India – 2 per year

Benefits
– Attractive discounts on hotels & flights, both domestic and international (10% – 20%). This can be availed on a monthly basis, which should be more than enough for entry level travellers.
– Complimentary airport lounge access both in India and abroad – enough number of free lounge visits for an entry level traveller
– The annual fee is not high and the annual spend target (₹50,000) to make the card virtually free is also not high

Drawbacks
– You are restricted to EaseMyTrip travel platform
– Not suitable for those travellers who prefer to travel by train, and also heavy bus travellers

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Flights & hotels discount offers on Yatra-

1. ₹1000 discount (upto 20%) on domestic flight bookings on Yatra website/app (minimum flight booking amount of ₹5000)
– You get a ₹1000 discount on minimum flight booking amount of ₹5000.
– Hence, you get a 20% discount if the flight booking amount is ₹5000.
– The discount percentage falls as the booking amount increases above ₹5000.

2. ₹4000 discount (upto 10%) on international flight bookings on Yatra website/app (minimum flight booking amount of ₹40,000)
– You get a ₹4000 discount on minimum flight booking amount of ₹40,000.
– Hence, you get a 10% discount if the flight booking amount is ₹40,000.
– The discount percentage falls as the booking amount increases above ₹40,000.

3. 20% discount (upto ₹2000) on domestic hotel bookings on Yatra website/app (minimum hotel booking amount of ₹3000)
– You get a 20% discount (upto maximum ₹2000), on minimum hotel booking amount of ₹3000.
– Hence you get a 20% discount on hotel bookings between ₹3000 and ₹10,000.
– On booking amounts above ₹10,000, the discount percentage falls below 20%.

(You can avail above discount offers maximum 6 times a year, by using a specified discount code on Yatra)

1.50% benefit on following card spends - departmental stores || grocery || dining || movies || entertainment
– You earn 6 reward points worth ₹1.50, on every ₹100 you spend in these categories
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI's rewards redemption plaform for Yatra vouchers
– This benefit is valid only on total spends of upto ₹83,333 per month in these categories (since you can earn a maximum of 5000 reward points at this special rate in your monthly card statement cycle).

1.50% benefit on international spends
– You earn 6 reward points worth ₹1.50, on every ₹100 you spend on international card transactions
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI's rewards redemption plaform for Yatra vouchers
– This benefit is valid only on total spends of upto ₹83,333 per month (since you can earn a maximum of 5000 reward points at this special rate in your monthly card statement cycle).

0.25% benefit on all other card spends : You earn 1 reward point worth ₹0.25, on every ₹100 you spend on all other purchases.

1% fuel surcharge waiver, upto ₹100 per month 
You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month  (since the waiver amount is capped at ₹100 per monthly card statement cycle)

Complimentary ‘air accident cover’ of ₹50 lakhs

Benefits
– Attractive discounts on hotels & flights (10% – 20%).
– Complimentary air accident cover of ₹50 lakhs , which provides peace of mind.
– Attractive Yatra welcome offer of over ₹8,000

Drawbacks
– You are restricted to Yatra travel platform, to earn special travel discounts
– Not suitable for travellers who prefer to travel by train, they should consider railway booking credit cards 

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

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

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

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

Complimentary access to railway lounges in India – 2 per quarter

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

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

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

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

Cashback at various partners –
✔︎ 5% special cashback on a variety of partners including Amazon
– Shopping : Amazon || Amazon Prime || Big Basket || Grofers || Myntra || Furlenco
– Travel : Goibibo || MakeMyTrip || Ola
– Dining : Zomato || Swiggy
– Entertainment : Gaana || BookMyShow || PVR || Inox
– Health & Fitness : Fitternity
✔︎ 1% cashback on all other card spends
✔︎ Restrictions : Maximum ₹750 cashback given, per month

7% discount on domestic hotels || 4% discount on domestic flights - at Goibibo
– 7% discount (upto ₹5000 per month) on domestic hotels - at Goibibo
– 4% discount (upto ₹600 per month) on domestic flights - at Goibibo

5% discount (upto ₹300 per month) - at Tata CLiQ
– 5% discount at Tata CLiQ, on spends upto ₹6000 per month (since maximum discount is restricted to ₹300 per month)
– 5% discount is applicable only on orders above  ₹1000

Complimentary domestic airport lounge access – once per month

Complimentary rail lounge access – once per month

Complimentary 2-month Eazydiner Prime membership

Complimentary 6-month Mindhouse app subscription

Fuel surcharge waiver
– You get 1% fuel surcharge waiver only on fuel transactions upto ₹4000, and only at HPCL pumps

Benefits
– 5% cashback on a variety of partners including Amazon
– Hotel (7%) & flight (4%) discounts at Goibibo
– Complimentary domestic airport lounge access (once per month), and rail lounge access (once per month)
– Complimentary 2-month Eazydiner Prime membership, and complimentary 6-month Mindhouse app subscription

Drawbacks to consider
– You need to stick to select partners to enjoy cashback and discount benefits

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

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

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

Complimentary domestic airport lounge access – 2 per quarter

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

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

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

This card is exclusively for Indian Navy Personnel

3.75% cashback on travel spends, dining spends, online spends and international spends
– You earn 15 reward points worth ₹3.75, 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 ₹16,666 per month, across these categories. Since you can earn a maximum number of 2500 special reward points at this accelerated rate, per monthly card billing cycle.

0.75% basic cashback on all other spends
– You earn 3 reward points worth ₹0.75 or 75 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 1.50 reward point worth 37 paise, on every ₹100 you spend.

Unlimited complimentary access to airport lounges in India

Reduced fee of 2% on international transactions

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
– Higher benefit of 3.75% on a variety of spends – travel spends, dining spends, online spends and international spends.
– Unlimited complimentary access to airport lounges in India.
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on in-store (face-to-face) shopping

15% reward (in terms of Air India Miles) on Air India website/app – only on ticket booking for yourself
– You get 15 reward points worth 15 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.

5% reward (in terms of Air India Miles), on all other Air India spends
– You get 5 reward points worth 5 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.

2% reward (in terms of Air India Miles) on all other card spends
– You get 2 reward points worth 2 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 ₹2 lakhs and ₹3 lakhs
– 5000 reward points worth 5000 Air India Miles, at ₹2 lakhs annual card spend
– 10000 additional reward points worth 10000 Air India Miles, at ₹3 lakhs annual card spend
Hence you get 15000 Air India Miles, at ₹3 lakhs annual card spend – 5% benefit (in terms of Air India Miles)

1% fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only applicable on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle

Benefits
– Good card for frequent fliers of Air India

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

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.

▶︎ 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

Upto 3 Vistara economy tickets based on annual card spend (milestone program)
– 1 economy ticket, at ₹1.25 lakh yearly card spend
– 1 additional economy ticket, at ₹2.50 lakh yearly card spend
– 1 additional economy ticket, at ₹6 lakh yearly card spend
Note : Following spends are not counted towards achieving yearly card spend targets – rent and wallet transactions, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

1% reward (in Club Vistara points), on all card spends
– Get 1 Club Vistara Point, 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 Base Membership’

Complimentary visits to airport lounges in India – 2 per quarter

Dining benefits (Dining Delights program)
– Offer valid once per month
– Minimum order amount of ₹2500
– 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Hence you get a 25% discount on orders between ₹2,500 and ₹3200. On orders above ₹3200, your discount percentage will be below 25%

Benefits
– Good card for Vistara economy travellers
– Travel benefits like complimentary lounge access

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

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

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

2.50% cashback on travel, dining & international transactions
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on travel, dining & international transactions. Since 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
– This is valid only on purchases upto ₹20,000 spends per month , in this category (since you can earn a maximum number of 2,000 special reward points in this category, per monthly card statement cycle)

0.50% basic cashback on all other spends
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases. Since 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
– Exceptions –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward points worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 1 time 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 upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good benefit rate of 2.50% on travel & international spends, and also on dining spends
– You also get complimentary access to domestic airport lounges – once per quarter.
– Card is virtually free if you spend ₹1.20 lakhs each year on your card
– Easy rewards redemption process, you can redeem reward points as cashback

Drawbacks to consider
– Benefits on other important spending needs such as shopping, fuel, bill payments is low. Hence you may need to look at other credit cards for these needs.

Eligibility : This card is exclusively for Indian Navy Personnel

▶︎ 2.50% cashback on travel spends || dining spends || online spends || international spends
– 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 ₹20,000 per month, across these categories. Since you can earn a maximum number of 2000 special reward points at this accelerated rate, per monthly card billing cycle.

▶︎ 0.50% basic cashback 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 – 3 times per quarter

▶︎ Reduced fee of 2.50% on international transactions
– You get reduced forex mark-up of 2.50% on international card spends (most cards in the industry charge 3.50%). You also get 2.50% benefit on international spends, as described earlier.

▶︎ 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 upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Higher benefit of 2.50% on a variety of spends – travel spends, dining spends, online spends and international spends.
– Complimentary access to airport lounges in India – 3 times per quarter
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on in-store shopping

5% cashback on all online spends || 1% cashback on all other card spends
– You earn ₹5 cashback, on every ₹100 you spend on online transactions || You earn ₹1 cashback, on every ₹100 you spend on all other card transactions.
– Exceptions : No cashback is given on the following purchases & payments – rent, fuel, utility bills, insurance, wallet loads, school & educational services, jewelry, railways, EMI transactions, cash advances, balance transfer, returns & refunds.
– Maximum cashback given is restricted to ₹5000 per month.
– Cashback is credited to your card account, within 2 days of next card statement generation date.

1% fuel surcharge waiver, upto ₹100 per month
– Fuel surcharge is given only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Benefits
– Good card for those comfortable with online shopping and spending.
– No restrictions on online merchants or categories to earn 5% cashback, unlike many other cards in the industry.

Drawbacks
– Not a good card for those who are not comfortable with online shopping and spending , since cashback rate of 1% is low for such purchases
– High annual card spend requirement (of ₹2 lakhs) to get annual fee waiver.

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 3 Vistara economy class tickets based on annual card spend (milestone program)
– 1 premium economy ticket, at ₹1.25 lakh yearly card spend
– 1 additional premium economy ticket, at ₹2.50 lakh yearly card spend
– 1 additional premium economy ticket || ₹5,000 Yatra hotel e-voucher, at ₹5 lakh yearly card spend

1.50% benefit (in Club Vistara points), on all card spends
– 1.50 Club Vistara Points, on every ₹100 you spend on your card
– Club Vistara Points can be redeemed on flights & upgrades, on Vistara flights and partner airlines

Complimentary visits to airport lounges in India – 1 per quarter

Complimentary Priority Pass membership worth USD 99 – for 24 months
– Applicable usage fee of USD 32 will be charged for visiting Priority Pass airport lounges across the globe

Complimentary insurance benefits
✔︎ Up to 4 cancellations per year, each limited to ₹3500
✔︎ Lost card liability up to ₹1 lakh
✔︎ Travel related insurance covers
– Air accident cover upto ₹50 lakhs
– Loss of check in baggage upto ₹72,000
– Delay of check in baggage upto ₹7,500
– Loss of travel documents upto ₹12,500
– Baggage damage upto ₹2500

Benefits
– Good card for Vistara economy class travellers
– Depending on economy ticket prices, it maybe possible to get approximately upto 7.50% benefit on your card spends, 5-6% through the milestone program and 1.50% on card spends

Drawbacks to consider
– Not a suitable card for non-Vistara travellers
– You will also need to consider other cards to earn rewards on non-travel card spends like shopping etc.

Upto 5 Vistara premium economy class tickets based on annual card spend (milestone program)
– 1 premium economy ticket, at ₹1.50 lakh yearly card spend
– 1 additional premium economy ticket, at ₹3 lakh yearly card spend
– 1 additional premium economy ticket, at ₹4.50 lakh yearly card spend
– 1 additional premium economy ticket || ₹10,000 Yatra hotel e-voucher, at ₹8 lakh yearly card spend

2% benefit (in Club Vistara points), on all card spends
– 2 Club Vistara Points, on every ₹100 you spend on your card
– Club Vistara Points can be redeemed for flights & upgrades, on Vistara flights and partner airlines

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

Complimentary visits to airport lounges in India – 2 per quarter

Complimentary insurance benefits
✔︎ Up to 6 cancellations per year, each limited to ₹3500
✔︎ Lost card liability up to ₹1 lakh
✔︎ Travel related insurance covers
– Air accident cover upto ₹1 crore
– Loss of check in baggage upto ₹72,000
– Delay of check in baggage upto ₹7,500
– Loss of travel documents upto ₹12,500
– Baggage damage upto ₹5000

Benefits
– Good card for Vistara premium economy travellers
– Depending on premium economy ticket prices, it maybe possible to get approximately upto 10% benefits on your card spends, 7-8% through the milestone program and 2% on card spends

Drawbacks to consider
– Not a suitable card for non-Vistara travellers.
– You will also need to consider other cards to earn rewards on non-travel spends like shopping etc

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

1.50% Reward (in terms of Emirates miles) on all card spends
– You get 1.50 Emirates Miles, on every ₹100 you spend on your card

Free airport lounge access in India – 1 per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (upto ₹100) at Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month, at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

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, you earn Emirates Miles on all card spends
– Travel benefits like complimentary lounge access

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

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

One Etihad companion voucher, at ₹10 lakh annual card spend
– At ₹10 lakhs yearly card spend, get one free ticket (for your companion), when you buy one award ticket with your Etihad Miles
– At ₹5 lakh annual card spend, get 5000 Etihad Miles
– You can redeem Etihad Miles to book flights, hotels, car rentals or for purchasing products at etihadguest.com

3% reward (in terms of Etihad Miles) on Etihad spends
– Get 3 Etihad Miles, on every ₹100 you spend at Etihad

2% reward (in terms of Etihad Miles) on international spends
– Get 2 Etihad Miles, on every ₹100 you spend abroad

1% reward (in terms of Etihad Miles) on all other card spends (except fuel)
– You get get 1 Etihad Miles, on every ₹100 you spend on all other card transactions

Complimentary airport lounge access in India – 2 per quarter

Complimentary insurance benefits
– Complimentary overseas air accident coverage of ₹25 lakh
– Complimentary fraud liability cover of ₹50,000
– Complimentary lost baggage allowance of upto USD 1000

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 Etihad Airlines
– Travel benefits like complimentary lounge access

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

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

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)
1.3% 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, 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)
1.73% 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

10% discount (upto ₹1000) on flight bookings on ixigo – once per month
– You get a 10% discount on ixigo flight bookings, on flight bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000), once per month.
– On bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹1000) on hotel bookings on ixigo – once per month
– You get a 10% discount on ixigo hotel bookings, on hotel bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000), once per month.
– On bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹300) on bus bookings on ixigo – once per month
– You get a 10% discount on ixigo bus bookings, on bus bookings upto ₹3000 (since the maximum discount is restricted to ₹300), once per month.
– On bookings above ₹3000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

2.50% benefit on train bookings on ixigo
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on train bookings on ixigo.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.

Waiver of Payment Gateway (PG) charges on train bookings – 2 times per month

1.25% benefit on all online card spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all online purchases.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.
– Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

0.62% benefit on all offline card spends
– You earn 2.50 reward points worth ₹0.62 (62 paise), on every ₹100 you spend on all offline purchases.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.
– Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

Complimentary access to international airport lounges – once per year

Complimentary access to domestic airport & railway lounges – 16 times per year

No fee (forex markup) on international transactions

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

Card liability cover upto ₹1.50 lakhs
– You carry zero liability for any credit card fraudulent transactions, after reporting its loss to the bank, with coverage extending up to ₹1.5 lakhs.
– You are also protected against card counterfeit/skimming and online frauds.

Benefits
– Attractive discounts on various kinds of travel bookings on ixigo
– Complimentary airport & railway lounge access

Drawbacks to consider
– You are restricted to ixigo platform, to earn these attractive travel rewards
– You may need to look at other cards to earn rewards on your other major spends like shopping etc.